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New Beginnings Account

Whether it's the cost of school books or clothes for work - both require significant dollars. 

Young members are at a point in life when a credit history1 is being established that will influence their ability to borrow for a considerable time.

The New Beginnings Program offers members [18-24 years old] with the financial tools needed to establish, and maintain, a strong credit history.


New Beginnings Account



  • Active Beginnings Checking Account
    • No minimum balance required
    • $2.00 monthly fee WAIVED
    • First Order of Checks FREE [50 ct.]
  • FREE Visa Check Card
    • 4 ATM withdrawals per month FREE
  • FREE Home Banking
    • Bill Payment Available
  • Overdraft Line of Credit2
    • $500 Credit Limit
    • Advance funds to protect checking from being overdrawn
  • Master Card2
    • $500 Credit Limit [higher limit possible]


  • New/Used Auto Loans3
    • Rate Reduction for recent Graduates
    • Convenient Repayment Options
    • No early repayment penalties
  • Essentials Loan3
    • Up to $2,000.00
    • Special Rate4
    • 24 month Repayment

The only eligibility for membership in the Beginnings Program is joining when 18 - 21 years old and maintaining an active LCU Beginnings Checking Account [in addition to Regular Savings required of all LCU members].

NOTE: Those wishing to join LCU must meet the eligibility requirement of living, working or worshipping in one of the following townships: Leyden, Addison, Elk Grove, Maine, Proviso, Lisle or York.


See Account Disclosures for all terms and conditions.


1 A credit history is a profile of an individual's past financial deals that suggest the probably of future loan repayment
2 Approval Required-must meet all loan qualifications
3 Restrictions Apply
4 Rate corresponds to current special loan promotions

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2701 N. 25th Ave.   -   Franklin Park, IL 60131
847-455-8440   -   fax 847-455-1245

Copyright 2001 Leyden Credit Union, All rights reserved.