Overdraft Protection

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We offer overdraft protection plans, such as a link to a savings account,  an overdraft line of credit and Courtesy Pay. To learn more ask us about these plans.

Overdraft Line of Credit

  • In addition to having money transferred from saving(s), you can apply to have an additional overdraft line of credit.
  • Payroll deduction and automatic share transfer repayment available
  • Optional credit life and disability insurance is available
  • Establishes credit history for new borrowers
  • No prepayment penalty

checkMembers may be approved for an overdraft line of credit up to $1,000. The payment for using this added feature is $91/mo.

The payment will always be due on the last day of each month and will be set up to transfer automatically from your share account.

Contact a LISEFCU representative today to apply for our overdraft line of credit.

Current Rates

Vehicle (New) 2.99%
Vehicle (Used) 3.49%
Personal (Fixed Rate) 9.99%
Home Equity - Variable **Prime floor%

*As low as...based on credit score.
**Prime Floor 4.50%
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NY State Office Building
250 Veterans Memorial Hwy.
Suite 5A9
Hauppauge, NY 11788

631-291-9160 - Telephone
631-360-3620 - Fax
877-LISEFCU - Toll Free
631-952-6286 - Automated (24/7)

(click here for Audio Response Guide)

Member Links

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