Checking Accounts FREE - No per check fee. Unlimited check writing plus FREE Visa Debit Card and FREE CHECKS.   Duplicate checks for easy record keeping. $25 minimum deposit required with overdraft protection.  Balances $100 and over earning 1.00% - APY 1.01% (Annual Percentage Yield).  Direct deposit into account available.  Monthly statements. Savings Accounts Share Savings:  The share savings account is the most fundamental of our services and is required to establish your shareholder membership (all benefits go to you, the member). This provides you with access to all of our services, a better return on your savings, the ability to vote for our volunteer Board of Directors, and the opportunity to represent the membership through election to our Board. An opening deposit of  $25 equals five shares at the credit union, establishes your membership, and makes you an owner.  Dividends are compounded daily, paid quarterly.  Accounts may be used as collateral for a loan.  Quarterly statements; Direct Deposit and Payroll Deduction available; Sub-saving accounts available; Transfer from checking and transfer to loan available. Safari Saver Savings:  Safari Saver Club is designed for our members through age 12.  It is an excellent way to learn good savings practices.   These members receive a quarterly newsletter. Adventure Team Savings:  Adventure Team Club is for members age 13-19. These members receive a quarterly newsletter. Share Certificate Savings:   To help members earn a higher return on their  funds, the Lincoln SDA Credit Union offers share certificate accounts with terms of 6, 12, and 24 months with $500 or $3000 minimum balances.  See the Rate Schedule for current rates. Loans The Credit Union offers a wide variety of loans:  auto, personal, home mortgage, share secured, and other collateral types.    For currents rates please see our rate schedule.    Notary Publics    Several notaries are on staff and can notarize documents at no charge. Skip Payments Available one time per year on any current loan.  Form available on this web site. Wires Funds can be wired to you for a fee.  Form available on this web site.