Frequently Asked Questions
Have a question that you’re not finding the information for? Contact us at one of our branch locations.
VISA Credit Card
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Members of Leading Edge Credit Union are eligible to apply for our Visa® credit card. Our Visa® credit card offers competitive interest rates and access to online account information through this website. Talk to a credit union representative for details or to request an application, or apply online here. You may apply for either the Visa Classic credit card or the Visa Platinum Preferred Rewards ScoreCard credit card.
All credit cards will be reissued with a new EMV Micro-Chip credit card upon expiration of your current card. This improvement increases the security features of your credit card.
If you would like to transfer high interest credit card account balances to your Leading Edge Credit Union Visa® credit card, come in to our Fulda, Worthington, Windom, or Jackson to request the transfer. The requested transfers cannot exceed your available credit and the credit card must be in good standing to qualify for the balance transfer option.
Card Suite Lite App
Enroll your Leading Edge Credit Union Visa® credit card in the Card Suite Lite App and enjoy greater security, control, and convenience.
- Security – Instantly turn your card on or off to protect against unauthorized use.
- Control – Set limits on how and where your card can be used.
- Convenience – Choose the transaction alerts you want to receive.
Download the app today:
EMV Micro-Chip Technology
Your Leading Edge Credit Union debit and credit cards will be upgraded with new features upon expiration. This upgraded feature is known as EMV micro-chip technology which enhances fraud protection, providing an additional level of security for your transactions.
Micro-chips enable a more secure process by creating unique data identifying your debit card and transaction. This process increases the difficulty to counterfeit.
When your current Leading Edge Credit Union debit and/or card naturally expires, you will be issued a new card with these enhanced security features. Using your new card is easy! During a transaction, such as purchasing groceries, you will insert your debit card into the card reader. This is a different technique than “swiping” your card. The retail card reader will prompt you to remove your card after the transaction has been processed.
In addition to the micro-chip technology, your card will continue to have a magnetic strip on the back so it can be used at retailers who are not equipped with the EMV micro-chip readers.
EMV cards do not completely eliminate card fraud, but it does make a significant difference on your security protection.
EMV FAQ
Q: What is an EMV chip-enabled card?
A: EMV chip cards contain embedded microprocessors that provide strong transaction security features and other application capabilities not possible with traditional magnetic stripe cards.
Q: When will I receive my new chip-enabled card?
A: Your debit and/or credit card will be upgraded to an EMV chip-enabled card upon the expiration of your current card.
Q: Will my card work if I swipe to pay?
A: Yes, if a merchant is not yet chip-enabled, your card will continue to work by swiping to pay.
Q: Has my card information changed?
A: Your card number and PIN have not changed. Although your expiration date is new, so be sure to update your information with companies who automatically bill your card (automatic payments).
Q: How does chip technology protect my information?
A: When you use your card at a chip-enabled terminal, the embedded chip generates a unique transaction code. This prevents stolen data from being fraudulently used.
Q: Where can I use my chip-enabled card?
A: You can use your card at any merchant who accepts Visa. Although the merchant may not be chip-enabled yet, your card will still work if you swipe to pay.
Q: Will I have to pay any fees to use my chip-enabled card?
A: No. There will be no additional fees to use your new card.
Safe Deposit Boxes
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Keep valuable information and things safe from theft, fire or loss with a safe deposit box at Leading Edge Credit Union.
The following safe deposit boxes are available at our branch in Worthington:
10 x 10 box $40 yr.
3 x 10 box $20 yr.
5 x 5 box $15 yr.
5 x 10 box $25 yr.
The following safe deposit boxes are available at our branch in Jackson:
3 x 10 box $20 yr.
5 x 5 box $15 yr.
5 x 10 box $25 yr.
The following safe deposit boxes are available at our branch in Windom:
3 x 10 box $20 yr.
5 x 10 box $25 yr.
The contents of your safe deposit box are not insured against loss by this financial institution. For your protection you may wish to obtain your own box insurance from an insurance company of your own choice.
Phone Banking
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We offer 24-hour access via our toll-free automated voice response unit. You can obtain balance information, check transactions, or make transfers. Call 888-902-4227 to reach voice response.
What is a credit union?
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A credit union is a cooperative financial institution, owned and controlled by the people who use its services. These people are members. Credit Unions serve groups that share something in common, such as where they work or live. Credit Unions are not-for-profit, and exist to provide a safe, convenient place for members to save money and to get loans at reasonable rates. While most financial institutions are owned by stockholders, a credit union is owned by its members. Each credit union member owns one “share” of the organization. The user of credit union services is also an owner, and is even entitled to vote on important issues such as the election of member representatives to serve on the board of directors or the supervisory committee.
The primary purpose is to encourage members to save money. Another purpose is to offer loans to members. Credit unions can charge lower rates for loans, as well as pay higher dividends on savings, because they are non-profit cooperatives. Rather than paying profits to stockholders, credit unions return earnings to members in the form of dividends or improved services.
How can I join the Leading Edge Credit Union?
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If you live, work, worship, or attend school within our field of membership, call any of our branch locations to get membership information. If you are a blood or adoptive relative of a current member or their spouse you may also be eligible to join.
What kinds of products and services does LECU have to offer?
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We are a full service financial institution, offering savings accounts, checking accounts, consumer loans, insurance services, certificates of deposits, credit and debit cards, and much more!
Are deposits insured like they are at banks?
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Yes. Federally Insured by NCUA means your money is insured to at least $250,000 and backed by the full faith and credit of the National Credit Union Association.
What is your routing number?
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Leading Edge Credit Union’s routing number is 291281560. The routing number is the same for both checking and savings accounts.
How do I send a wire to LECU?
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WIRING INSTRUCTIONS
INCOMING WIRES
FIRST CREDIT:
LEADING EDGE CREDIT UNION
205 N ST PAUL AVE
FULDA MN 56131
ACCOUNT NUMBER: 291281560
FINAL CREDIT:
MEMBER’S NAME
MEMBER’S ACCOUNT NUMBER
MEMBER’S ADDRESS (WILL NOT ACCEPT A PO BOX)