Checking Accounts FREE - No per check fee (1st 50 checks FREE) or monthly activity fee.  Unlimited check writing plus FREE Visa Debit Card.  (Also available for those age 55 and over - unlimited FREE CHECKS).    Duplicate checks for easy record keeping. $100 minimum deposit required with overdraft protection 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.   Each time you save $10 you receive one jungle stamp; save 10 jungle stamps and you fill a jungle card.  Jungle cards can be redeemed for wonderful prizes.    These members receive a quarterly newsletter. Adventure Team Savings:  Adventure Team Club is for members age 13-19.  There are several times during the year that these members have an opportunity to win wonderful prizes. These members receive a CU Succeed 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. Life Savings/Loan Protection Insurances These benefits are provided for all members at no direct cost. Please ask for a certificate for full details on your coverage. Credit Disability Insurance       In the event you become totally disabled by sickness or an accident, credit disability insurance pays your loan payments up to the policy maximum. The premium for this service is added to your regular loan payments. Ask for full policy details.   This is a product that is sold at the time a loan is written and must be approved and signed for by the borrower, and is not automatically added to the loan. 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.