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Lower Columbia Longshoremen's Federal Credit Union is a member-owned financial cooperative serving union members and families since 1954, offering checking, savings, loans, and credit cards.
Data compiled from public sources
Lower Columbia Longshoremen's Federal Credit Union (LCLFCU) was established in 1954 with a mission to create financial solutions specifically for union members and their families. Based in Longview, Washington, the credit union operates as a cooperative financial institution, meaning members are both customers and partial owners. This membership model has shaped their product development and service philosophy for nearly 70 years.
LCLFCU offers a comprehensive suite of financial products and services including checking and savings accounts, auto loans (new and used vehicles), RV and boat financing (up to 12 years), real estate/mortgage loans, VISA credit cards, cashier's checks, notary services, and signature stated terms. They provide both a Classic VISA with a fixed 9.9% rate and a newer Signature VISA with rewards points redeemable for cash, statement credits, or travel. Members can access accounts through free online banking, a mobile app available on Apple and Google platforms, online bill pay, and a CO-OP Network for ATM access.
What distinguishes LCLFCU is their listed focus on union members and emphasis on accessibility. They offer Credit Union Direct Lending (CUDL) allowing vehicle financing to be completed at car dealerships, and they provide family membership options to extend eligibility beyond individual union members. The organization maintains expanded lobby hours, drive-up windows, night deposit boxes, and a Golden Futures Club for seniors. Their low fixed VISA rate of 9.9% is competitive, and auto loans come without the manufacturer restrictions or fees to verify often associated with dealer financing.
The primary limitation is membership eligibility—LCLFCU is primarily designed for union members, which excludes the general public. As a regional credit union, their product range, while solid, is more limited than large national banks. The website provides limited information about savings account rates, CD terms, loan APRs beyond the VISA card, or specific real estate loan terms, making it difficult to assess competitive positioning without direct contact.
This is state-level context for Credit Unions consumers in Longview, WA. It does not confirm that Lower Columbia Longshoremen or this specific location is licensed.
State regulator
Washington Department of Financial Institutions
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Lower Columbia Longshoremen offers 14 services including Checking and savings accounts, Auto loans for new and used vehicles with Credit Union Direct Lending (CUDL), RV and boat financing up to 12 years, Real estate loans including 97% equity loans, second mortgages, and undeveloped property, VISA Signature Rewards credit card with points redemption, and 9 more.
Lower Columbia Longshoremen has profile signals associated with Union members seeking a member-owned financial institution with personalized service, Vehicle buyers wanting credit union rates and terms completed directly at auto dealerships, RV and boat enthusiasts needing extended financing terms up to 12 years, Families looking to extend credit union membership to dependents through family membership options.
Key strengths: Fixed 9.9% VISA rate is competitive and clearly stated with no fees to verify; Credit Union Direct Lending (CUDL) allows auto financing to be completed at dealership with credit union rates; RV and boat financing up to 12 years with up to 100% financing available. Areas to consider: Membership restricted to union members and their families, excluding general public; Limited transparency on website regarding savings rates, CD terms, and specific auto/mortgage APRs.
In the Credit Unions category, comparable providers include BECU credit union, Express Credit Union, Salal Credit Union – First Hill Branch. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
LCLFCU is profile signals for union members and their families seeking a cooperative financial institution with rate claims to verify, especially for vehicle and RV financing. The primary caveat is strict membership eligibility—you must be a union member or family of one to qualify; general consumers cannot join this credit union.
BECU is a Washington-based credit union offering banking services including checking, savings, and lending products to members in the Pacific Northwest.
Google rating from 259 reviews
Profile signals: Boeing employees and eligible family members in Washington state, Pacific Northwest residents seeking credit union membership benefits
Express Credit Union is a community-focused credit union offering affordable checking, savings, loans, and credit-building services to underserved populations including ITIN holders.
Google rating from 168 reviews
Profile signals: Immigrant populations and ITIN holders seeking mainstream lending alternatives to high-cost lenders, Members seeking credit-building products and financial counseling rather than short-term cash access
Salal Credit Union is a member-owned financial cooperative offering banking services including checking, savings, and lending products to its membership base.
Google rating from 24 reviews
Profile signals: Individuals eligible for Salal Credit Union membership seeking member-owned banking alternatives, Consumers in the First Hill area looking for local credit union services
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