Welcome to Linn-Co FCU

Tab Version 1a

Simple Is Better

24/7 ONLINE BANKING & MOBILE BANKING

View transaction history and account balances, transfer funds, pay bills, review your monthly statement, remote deposit a check, and more!

Watch Your Money Grow

With Linn-Co FCU Savings

SHARE SAVINGS

A $25 deposit into a Share Savings account establishes your membership with the credit union. Because a credit union is member-owned, the money in your account is the equivalent of shares.

MONEY MARKET

Enjoy higher dividends with this account with a minimum balance of $1,000, while maintaining higher flexibility to your money than certificates. The. more money you deposit, the higher the return.

YOUTH/TEEN SAVINGS

• Kids Star Saver Club (Ages 0-12)
• Teens Star Saver Club
• Continuing Education & Summer Camp Scholarships

IRAs

We offer traditional, Roth and Education IRAs. Open any IRA with just $25. Even if you have an employer-sponsored retirement plan you can still contribute to an IRA each year to boost your savings.

CHRISTMAS CLUB

You can use a Christmas club account to automate your savings and help take some of the financial stress out of the holiday season. Just a small amount every payday (but you can deposit whenever you like) will add up at the end of the year.

Online Banking

We offer Online Banking as a free service to all our members in our digital branch services. With Online Banking, you have access to your accounts 24/7, with features that allow you to check account balances, review transaction history, transfer funds, and so much more.

Don’t have Online Banking yet? It’s easy to register. Click the button below to sign up and start using Online Banking today.

Bill Pay

Never miss a payment again and pay your bills electronically, anytime, anywhere! We’ve made it even easier with our Bill Pay service, you can set up recurring payments from your checking account to ensure no payment is missed ever again.

Mobile Banking

  

Mobile banking with Linn-Co makes managing your finances easy and convenient while you’re on the go.
The mobile banking app lets you:

  • Transfer money
  • Check your account balances
  • Make a loan payment
  • Set account alerts
  • View your e-statement
  • Turn your debit card status off temporarily

 

Remote Deposit Capture (RDC)
You can take a photo of your check and deposit it into your account from anywhere, right from the phone app.

iTalk 24/7 Access

Access your accounts on your phone through our 24/7 iTalk Account Access system. Transfer money, balance your checkbook, even make a loan payment.

Call 541.259.1235, option 1.

It’s Quick & Easy! Simple as 1, 2, 3, 4...

We’re making things easier! Make a payment to your Linn-Co FCU loans or credit cards from any external account; as easy as a text message, through our website or online and mobile banking.

Member Benefits

  • Convenient ways to pay from an external account: text, website, online/mobile banking.
  • Encrypted information guarantees your information is secure.
  • Payments accepted from checking accounts, savings accounts and credit cards.
  • The transaction fee for credit card payments is only $4.99 for members, or $9.99 for staff assisted transactions. There is no fee for ACH payments.

1. RECIEVE A TEXT MESSAGE

2. VERIFY YOUR ACCOUNT

3. CREATE YOUR 4 DIGIT PIN

4. ADD YOUR PREFERRED PAYMENT METHOD

Log in to your online and mobile account using your smartphone, tablet or desktop and select ‘Make a Payment’ from the menu bar located on the left. This will take you to the payment portal where you will have to verify your account.

Yes, you will have to access the payment portal through our website or online and mobile banking. However, you will not receive any text notifications regarding payment reminders and will not be able to make a payment via text message.

Once you receive a text reminder, you respond “Pay” to the same text. You will be asked to enter your pin to verify your account. Once you have completed this process, your payment will be complete and you should receive a confirmation text. NOTE: you will have to setup a 4 digit pin and preferred method of payment prior to using text payments.

Loan Services

You Can Count On!

We’ll get you on the road or ready for any adventure, whether that’s by car, boat, motorcycle, or RV! You can count on great rates, flexible terms, and small town service. New, used, or refinance options are available. We can even get you pre-approved before you visit the dealership!

If a personal loan is what you need, we can help with that too! From the fun and exciting to the unexpected, or to consolidate your bills…we are here to help!

With Drive Your Dream, the title is in YOUR name, giving you more flexibility prior to, and at loan maturity. At any time you have the option to sell, trade, refi, or payoff without early termination fees. And, of course, you can also simply turn in your vehicle and “walk away” at loan maturity.

  • Lower Monthly Payment
  • You own the vehicle
  • No security deposit required
  • Guaranteed value at end of term
  • Available on new and used vehicles up to 5 years old
  • 7,500 – 18,000 mileage options per year
  • Enables you to easily upgrade and/or change your vehicle every couple of years

 

Questions? Call us @ 541-259-1235 or apply online today.

Frequently Asked Questions (FAQ)

If you live, work, worship, or attend school in Linn County, you are eligible for membership! (Good news, if you have family living here, you are eligible, too!)

When’s the last time you felt the peace of mind of such local control over your finances? Join us. Own us.

OWNED BY YOU

Credit Unions are financial cooperatives, which means that we are owned by the members who join, as opposed to being owned and controlled by majority stockholders.

WE’RE NOT-FOR-PROFIT

Our not-for-profit model has been around for a long time, a people-helping-people model. Neighbors pooling their money and lending it to one another.

GOVERNED BY VOLUNTEERS

We are governed by an all-volunteer board of directors, who are elected in a democratic vote at an open annual meeting.

The routing number for Linn-Co FCU is #323274762.

If you have forgotten your online banking password and need to reset it, click on the “Forgot Password” button on the login page, and you will be sent an email with instructions on how to reset it.

Sign-up today!

We have instant issue in our branches so you can receive it the same day you open your account! If it is to be ordered, it usually takes 7-10 business days for the card to arrive. Actual delivery of the card depends on postal service in your area.

Call 1-800-992-3808 from any phone to activate your card.

You can change you PIN in any branch location or at the ATM. If you choose to change your PIN at an ATM, you must know your previous PIN.

We do not charge our members a fee to access an ATM – you are free to use any ATM you choose. Plus, as a member of the Co-Op Network, most credit union ATMs across the nation will not surcharge our members, making it a completely fee-free transaction! 

Find an ATM Today!

We offer:

  • New & Used Auto Loans
  • Mortgage Loans
  • Home Equity Loans
  • Visa Credit Cards
  • RV & Boat Loans
  • Motorcycle Loans
  • Debt Consolidation
  • Signature Loans

You may apply for a loan online at linncofcu.org/loan-services/, by phone at 541-259-1235 or in one of our branches.

Yes. Linn-Co FCU is a safe place for you to save your money. Deposits are insured up to $250,000 per individual depositor by the National Credit Union Administration (NCUA), the independent agency that administers the National Credit Union Share Insurance Fund (NCUSIF). Like the FDIC’s Federal Deposit Insurance Fund, the NCUSIF is a federal insurance fund backed by the full faith and credit of the United States government. Not one penny of insured savings has ever been lost by a member of a federally insured credit union. IRA accounts are insured separately up to an additional $250,000.

Lebanon Branch
485 S 2nd St. PO Box 265
Lebanon, OR 97355

Sweet Home Branch
1428 Main St.
Sweet Home, OR 97386

Albany Branch
4129 Santiam Hwy SE.
Albany, OR 97322

Hours for Branches:
Mon-Thurs: 9am-5pm
Fri: 9am-6pm

Debt Protection

Do everything you can to take care of the ones you love.
Your family means everything to you. And if the unexpected happens, you don’t want an emotionally trying situation to be compounded by financial worry. That’s why there’s Debt Protection, which may cancel your loan balance or payments in case of:

  • Involuntary unemployment
  • Disability
  • Death

 

Life Plus
For additional protections, Life Plus can extend your Debt Protection to address a wide range of circumstances, giving you the reassurance of knowing you’ve taken steps to help you secure your finances.

GAP Plus

Essential protection for you vehicle loan and your finances.

Vehicle loan protection for what your auto insurance may not cover for a wrecked vehicle. That’s where Guaranteed Asset Protection (GAP) Plus comes in. If your vehicle is deemed a total loss due to an accident or stolen, there can be a significant gap between what you owe on your loan and what your auto insurance will cover. GAP may reduce or even eliminate that shortfall in the event your vehicle is deemed a total loss. GAP Plus helps you get into your next vehicle by reducing your next loan at the credit union by $1,000.

Protect your vehicle loan—purchase GAP Plus today!

Community Impact

We are committed to making our community better!

We rise by lifting others. Small acts transform the world. Sine July of 2022, our employees have volunteered over 1,300 hours to 51 amazing events and organizations.

 

Events, Activities & Organizations Impacted

  • Albany Downtown Trick-or-Treat
  • Albany Shred Event
  • American Legion
  • Boys & Girls Club of Greater Santiam
  • Build Lebanon Trails
  • CASA School Supply Drive
  • CASA Toys for Tots
  • Central Linn Elementary School
  • City Council
  • Cheadle Lake Fun Run
  • Christmas Pageant Director
  • Christmas Storybook Land
  • Community Halloween Party/Haunted House
  • Hearts with a Mission Lithia4kids Event
  • Horse Expo with Rotary Club
  • Ice Box CookOff
  • KidzShop
  • Lebanon Girls’ Wrestling Team
  • Lebanon Public Library
  • Lebanon Shred Day
  • Linn County Planning Commission
  • LHS Wrestling volunteer
  • LHS Leadership volunteer
  • Mattress Share of Oregon
  • Meadow Ridge Elementary School
  • Music & Brews
  • Oregon Charter Academy
  • Oregon Jamboree
  • Parks, Trees, & Trails Commission
  • Riverview Elementary School
  • Safe Haven
  • Scio High School Food Drive
  • Scio Leadership Bottle Drop
  • Scio School Giving Tree
  • Sweet Home Safety Fair
  • Sweet Home Booster Club
  • Sweet Home Community Chapel Youth Group
  • Sweet Home Elks Lodge
  • Sweet Home Genealogy Center
  • Sweet Home Softball
  • Sweet Home VFW
  • Sunday School Teacher
  • Teen Challenge Super Thrift
  • Vacation Bible School
  • West Albany JBO
  • Western Display Fireworks
  • Willamette Manor
  • Willamette Manor Giving Tree
  • Willamette Manor Trunk-or-Treat
  • Xtreme Dance Team volunteer
  • Youth Group Leader

Member Testimonials

“On each occasion, they have been extremely professional and helpful above and beyond what I expect from any other financial institution. Their rates are hands down the best rates around and they make it very painless to utilize your credit. I would HIGHLY recommend them and continue to use them for our financing needs.”
– Raven S.

“Got our auto loan approved and check in hand very quickly. Best rates too.
– Matt M.

“Very reasonable and understanding people. Best place to get a loan.
– J S.

“Very nice service and they are quick to help.
– Joe M.

“I have been a Linn-Co Credit Union member for several years and have always experienced respectful knowledgeable professional and member-friendly service at the Lebanon branch location.”
– Kate H.

“Love the quick response and great customer service.
– Anna G.

“Nice people. Good service. Professional and friendly. Small town atmosphere with big city abilities.
– Kenny H.

“Linn-Co was absolutely amazing I loved the service I got, I can’t express enough how happy I was with them, every person I dealt with treated me with the utmost respect.”
– Brandon J.

“I have been with Linn-Co for decades I believe. Love these guys. They are awesome. Great customer service!”
– Sheri M.

“I love going thru Linn-Co FCU when I wanted to get a new vehicle they were the only place I wanted to go thru. Always nice customer service.
– Rakell H.

“Efficient service with knowledgeable tellers and professional service respectful of customers.”
– Michael M.

“Went above and beyond to help with an unusual problem..Great service!”
– Dave R.

“My grandpa recommended Linn-Co FCU to me and I’m so glad I listened. My husband called to ask a few questions and they were so proactive and started our process on the spot. She was very thorough and very smart. I’m sure others there are great as well but I am just really grateful she was who we were able to work with. Will definitely recommend to others!
– Courtney H.

Perfect service, perfect people, excellent job!!”
– Tony F.

“I love that my money stays local and most of the staff grew up here too. You really are not just a number!
– Martha B.

“My interactions with the people who work here has always been really good. They are kind and helpful. I love the drive through where I can limit my interaction with others as I am old and on oxygen…thank you all for your work.
– Pam M.

Tab Version 1b

Simple Is Better

24/7 ONLINE BANKING & MOBILE BANKING

View transaction history and account balances, transfer funds, pay bills, review your monthly statement, remote deposit a check, and more!

Watch Your Money Grow

With Linn-Co FCU Savings

SHARE SAVINGS

A $25 deposit into a Share Savings account establishes your membership with the credit union. Because a credit union is member-owned, the money in your account is the equivalent of shares.

MONEY MARKET

Enjoy higher dividends with this account with a minimum balance of $1,000, while maintaining higher flexibility to your money than certificates. The. more money you deposit, the higher the return.

YOUTH/TEEN SAVINGS

• Kids Star Saver Club (Ages 0-12)
• Teens Star Saver Club
• Continuing Education & Summer Camp Scholarships

IRAs

We offer traditional, Roth and Education IRAs. Open any IRA with just $25. Even if you have an employer-sponsored retirement plan you can still contribute to an IRA each year to boost your savings.

CHRISTMAS CLUB

You can use a Christmas club account to automate your savings and help take some of the financial stress out of the holiday season. Just a small amount every payday (but you can deposit whenever you like) will add up at the end of the year.

Online Banking

We offer Online Banking as a free service to all our members in our digital branch services. With Online Banking, you have access to your accounts 24/7, with features that allow you to check account balances, review transaction history, transfer funds, and so much more.

Don’t have Online Banking yet? It’s easy to register. Click the button below to sign up and start using Online Banking today.

Bill Pay

Never miss a payment again and pay your bills electronically, anytime, anywhere! We’ve made it even easier with our Bill Pay service, you can set up recurring payments from your checking account to ensure no payment is missed ever again.

Mobile Banking

  

Mobile banking with Linn-Co makes managing your finances easy and convenient while you’re on the go.
The mobile banking app lets you:

  • Transfer money
  • Check your account balances
  • Make a loan payment
  • Set account alerts
  • View your e-statement
  • Turn your debit card status off temporarily

 

Remote Deposit Capture (RDC)
You can take a photo of your check and deposit it into your account from anywhere, right from the phone app.

iTalk 24/7 Access

Access your accounts on your phone through our 24/7 iTalk Account Access system. Transfer money, balance your checkbook, even make a loan payment.

Call 541.259.1235, option 1.

It’s Quick & Easy! Simple as 1, 2, 3, 4...

We’re making things easier! Make a payment to your Linn-Co FCU loans or credit cards from any external account; as easy as a text message, through our website or online and mobile banking.

Member Benefits

  • Convenient ways to pay from an external account: text, website, online/mobile banking.
  • Encrypted information guarantees your information is secure.
  • Payments accepted from checking accounts, savings accounts and credit cards.
  • The transaction fee for credit card payments is only $4.99 for members, or $9.99 for staff assisted transactions. There is no fee for ACH payments.

1. RECIEVE A TEXT MESSAGE

2. VERIFY YOUR ACCOUNT

3. CREATE YOUR 4 DIGIT PIN

4. ADD YOUR PREFERRED PAYMENT METHOD

Log in to your online and mobile account using your smartphone, tablet or desktop and select ‘Make a Payment’ from the menu bar located on the left. This will take you to the payment portal where you will have to verify your account.

Yes, you will have to access the payment portal through our website or online and mobile banking. However, you will not receive any text notifications regarding payment reminders and will not be able to make a payment via text message.

Once you receive a text reminder, you respond “Pay” to the same text. You will be asked to enter your pin to verify your account. Once you have completed this process, your payment will be complete and you should receive a confirmation text. NOTE: you will have to setup a 4 digit pin and preferred method of payment prior to using text payments.

Loan Services

You Can Count On!

We’ll get you on the road or ready for any adventure, whether that’s by car, boat, motorcycle, or RV! You can count on great rates, flexible terms, and small town service. New, used, or refinance options are available. We can even get you pre-approved before you visit the dealership!

If a personal loan is what you need, we can help with that too! From the fun and exciting to the unexpected, or to consolidate your bills…we are here to help!

With Drive Your Dream, the title is in YOUR name, giving you more flexibility prior to, and at loan maturity. At any time you have the option to sell, trade, refi, or payoff without early termination fees. And, of course, you can also simply turn in your vehicle and “walk away” at loan maturity.

  • Lower Monthly Payment
  • You own the vehicle
  • No security deposit required
  • Guaranteed value at end of term
  • Available on new and used vehicles up to 5 years old
  • 7,500 – 18,000 mileage options per year
  • Enables you to easily upgrade and/or change your vehicle every couple of years

 

Questions? Call us @ 541-259-1235 or apply online today.

Frequently Asked Questions (FAQ)

If you live, work, worship, or attend school in Linn County, you are eligible for membership! (Good news, if you have family living here, you are eligible, too!)

When’s the last time you felt the peace of mind of such local control over your finances? Join us. Own us.

OWNED BY YOU

Credit Unions are financial cooperatives, which means that we are owned by the members who join, as opposed to being owned and controlled by majority stockholders.

WE’RE NOT-FOR-PROFIT

Our not-for-profit model has been around for a long time, a people-helping-people model. Neighbors pooling their money and lending it to one another.

GOVERNED BY VOLUNTEERS

We are governed by an all-volunteer board of directors, who are elected in a democratic vote at an open annual meeting.

The routing number for Linn-Co FCU is #323274762.

If you have forgotten your online banking password and need to reset it, click on the “Forgot Password” button on the login page, and you will be sent an email with instructions on how to reset it.

Sign-up today!

We have instant issue in our branches so you can receive it the same day you open your account! If it is to be ordered, it usually takes 7-10 business days for the card to arrive. Actual delivery of the card depends on postal service in your area.

Call 1-800-992-3808 from any phone to activate your card.

You can change you PIN in any branch location or at the ATM. If you choose to change your PIN at an ATM, you must know your previous PIN.

We do not charge our members a fee to access an ATM – you are free to use any ATM you choose. Plus, as a member of the Co-Op Network, most credit union ATMs across the nation will not surcharge our members, making it a completely fee-free transaction! 

Find an ATM Today!

We offer:

  • New & Used Auto Loans
  • Mortgage Loans
  • Home Equity Loans
  • Visa Credit Cards
  • RV & Boat Loans
  • Motorcycle Loans
  • Debt Consolidation
  • Signature Loans

You may apply for a loan online at linncofcu.org/loan-services/, by phone at 541-259-1235 or in one of our branches.

Yes. Linn-Co FCU is a safe place for you to save your money. Deposits are insured up to $250,000 per individual depositor by the National Credit Union Administration (NCUA), the independent agency that administers the National Credit Union Share Insurance Fund (NCUSIF). Like the FDIC’s Federal Deposit Insurance Fund, the NCUSIF is a federal insurance fund backed by the full faith and credit of the United States government. Not one penny of insured savings has ever been lost by a member of a federally insured credit union. IRA accounts are insured separately up to an additional $250,000.

Lebanon Branch
485 S 2nd St. PO Box 265
Lebanon, OR 97355

Sweet Home Branch
1428 Main St.
Sweet Home, OR 97386

Albany Branch
4129 Santiam Hwy SE.
Albany, OR 97322

Hours for Branches:
Mon-Thurs: 9am-5pm
Fri: 9am-6pm

Debt Protection

Do everything you can to take care of the ones you love.
Your family means everything to you. And if the unexpected happens, you don’t want an emotionally trying situation to be compounded by financial worry. That’s why there’s Debt Protection, which may cancel your loan balance or payments in case of:

  • Involuntary unemployment
  • Disability
  • Death

 

Life Plus
For additional protections, Life Plus can extend your Debt Protection to address a wide range of circumstances, giving you the reassurance of knowing you’ve taken steps to help you secure your finances.

GAP Plus

Essential protection for you vehicle loan and your finances.

Vehicle loan protection for what your auto insurance may not cover for a wrecked vehicle. That’s where Guaranteed Asset Protection (GAP) Plus comes in. If your vehicle is deemed a total loss due to an accident or stolen, there can be a significant gap between what you owe on your loan and what your auto insurance will cover. GAP may reduce or even eliminate that shortfall in the event your vehicle is deemed a total loss. GAP Plus helps you get into your next vehicle by reducing your next loan at the credit union by $1,000.

Protect your vehicle loan—purchase GAP Plus today!

Community Impact

We are committed to making our community better!

We rise by lifting others. Small acts transform the world. Sine July of 2022, our employees have volunteered over 1,300 hours to 51 amazing events and organizations.

 

Events, Activities & Organizations Impacted

  • Albany Downtown Trick-or-Treat
  • Albany Shred Event
  • American Legion
  • Boys & Girls Club of Greater Santiam
  • Build Lebanon Trails
  • CASA School Supply Drive
  • CASA Toys for Tots
  • Central Linn Elementary School
  • City Council
  • Cheadle Lake Fun Run
  • Christmas Pageant Director
  • Christmas Storybook Land
  • Community Halloween Party/Haunted House
  • Hearts with a Mission Lithia4kids Event
  • Horse Expo with Rotary Club
  • Ice Box CookOff
  • KidzShop
  • Lebanon Girls’ Wrestling Team
  • Lebanon Public Library
  • Lebanon Shred Day
  • Linn County Planning Commission
  • LHS Wrestling volunteer
  • LHS Leadership volunteer
  • Mattress Share of Oregon
  • Meadow Ridge Elementary School
  • Music & Brews
  • Oregon Charter Academy
  • Oregon Jamboree
  • Parks, Trees, & Trails Commission
  • Riverview Elementary School
  • Safe Haven
  • Scio High School Food Drive
  • Scio Leadership Bottle Drop
  • Scio School Giving Tree
  • Sweet Home Safety Fair
  • Sweet Home Booster Club
  • Sweet Home Community Chapel Youth Group
  • Sweet Home Elks Lodge
  • Sweet Home Genealogy Center
  • Sweet Home Softball
  • Sweet Home VFW
  • Sunday School Teacher
  • Teen Challenge Super Thrift
  • Vacation Bible School
  • West Albany JBO
  • Western Display Fireworks
  • Willamette Manor
  • Willamette Manor Giving Tree
  • Willamette Manor Trunk-or-Treat
  • Xtreme Dance Team volunteer
  • Youth Group Leader

Member Testimonials

“On each occasion, they have been extremely professional and helpful above and beyond what I expect from any other financial institution. Their rates are hands down the best rates around and they make it very painless to utilize your credit. I would HIGHLY recommend them and continue to use them for our financing needs.”
– Raven S.

“Got our auto loan approved and check in hand very quickly. Best rates too.
– Matt M.

“Very reasonable and understanding people. Best place to get a loan.
– J S.

“Very nice service and they are quick to help.
– Joe M.

“I have been a Linn-Co Credit Union member for several years and have always experienced respectful knowledgeable professional and member-friendly service at the Lebanon branch location.”
– Kate H.

“Love the quick response and great customer service.
– Anna G.

“Nice people. Good service. Professional and friendly. Small town atmosphere with big city abilities.
– Kenny H.

“Linn-Co was absolutely amazing I loved the service I got, I can’t express enough how happy I was with them, every person I dealt with treated me with the utmost respect.”
– Brandon J.

“I have been with Linn-Co for decades I believe. Love these guys. They are awesome. Great customer service!”
– Sheri M.

“I love going thru Linn-Co FCU when I wanted to get a new vehicle they were the only place I wanted to go thru. Always nice customer service.
– Rakell H.

“Efficient service with knowledgeable tellers and professional service respectful of customers.”
– Michael M.

“Went above and beyond to help with an unusual problem..Great service!”
– Dave R.

“My grandpa recommended Linn-Co FCU to me and I’m so glad I listened. My husband called to ask a few questions and they were so proactive and started our process on the spot. She was very thorough and very smart. I’m sure others there are great as well but I am just really grateful she was who we were able to work with. Will definitely recommend to others!
– Courtney H.

Perfect service, perfect people, excellent job!!”
– Tony F.

“I love that my money stays local and most of the staff grew up here too. You really are not just a number!
– Martha B.

“My interactions with the people who work here has always been really good. They are kind and helpful. I love the drive through where I can limit my interaction with others as I am old and on oxygen…thank you all for your work.
– Pam M.

Tab Version 2a:

Simple Is Better

24/7 ONLINE BANKING & MOBILE BANKING

View transaction history and account balances, transfer funds, pay bills, review your monthly statement, remote deposit a check, and more!

Watch Your Money Grow

With Linn-Co FCU Savings

SHARE SAVINGS

A $25 deposit into a Share Savings account establishes your membership with the credit union. Because a credit union is member-owned, the money in your account is the equivalent of shares.

MONEY MARKET

Enjoy higher dividends with this account with a minimum balance of $1,000, while maintaining higher flexibility to your money than certificates. The. more money you deposit, the higher the return.

YOUTH/TEEN SAVINGS

• Kids Star Saver Club (Ages 0-12)
• Teens Star Saver Club
• Continuing Education & Summer Camp Scholarships

IRAs

We offer traditional, Roth and Education IRAs. Open any IRA with just $25. Even if you have an employer-sponsored retirement plan you can still contribute to an IRA each year to boost your savings.

CHRISTMAS CLUB

You can use a Christmas club account to automate your savings and help take some of the financial stress out of the holiday season. Just a small amount every payday (but you can deposit whenever you like) will add up at the end of the year.

Online Banking

We offer Online Banking as a free service to all our members in our digital branch services. With Online Banking, you have access to your accounts 24/7, with features that allow you to check account balances, review transaction history, transfer funds, and so much more.

Don’t have Online Banking yet? It’s easy to register. Click the button below to sign up and start using Online Banking today.

Bill Pay

Never miss a payment again and pay your bills electronically, anytime, anywhere! We’ve made it even easier with our Bill Pay service, you can set up recurring payments from your checking account to ensure no payment is missed ever again.

Mobile Banking

  

Mobile banking with Linn-Co makes managing your finances easy and convenient while you’re on the go.
The mobile banking app lets you:

  • Transfer money
  • Check your account balances
  • Make a loan payment
  • Set account alerts
  • View your e-statement
  • Turn your debit card status off temporarily

 

Remote Deposit Capture (RDC)
You can take a photo of your check and deposit it into your account from anywhere, right from the phone app.

iTalk 24/7 Access

Access your accounts on your phone through our 24/7 iTalk Account Access system. Transfer money, balance your checkbook, even make a loan payment.

Call 541.259.1235, option 1.

It’s Quick & Easy! Simple as 1, 2, 3, 4...

We’re making things easier! Make a payment to your Linn-Co FCU loans or credit cards from any external account; as easy as a text message, through our website or online and mobile banking.

Member Benefits

  • Convenient ways to pay from an external account: text, website, online/mobile banking.
  • Encrypted information guarantees your information is secure.
  • Payments accepted from checking accounts, savings accounts and credit cards.
  • The transaction fee for credit card payments is only $4.99 for members, or $9.99 for staff assisted transactions. There is no fee for ACH payments.

1. RECIEVE A TEXT MESSAGE

2. VERIFY YOUR ACCOUNT

3. CREATE YOUR 4 DIGIT PIN

4. ADD YOUR PREFERRED PAYMENT METHOD

Log in to your online and mobile account using your smartphone, tablet or desktop and select ‘Make a Payment’ from the menu bar located on the left. This will take you to the payment portal where you will have to verify your account.

Yes, you will have to access the payment portal through our website or online and mobile banking. However, you will not receive any text notifications regarding payment reminders and will not be able to make a payment via text message.

Once you receive a text reminder, you respond “Pay” to the same text. You will be asked to enter your pin to verify your account. Once you have completed this process, your payment will be complete and you should receive a confirmation text. NOTE: you will have to setup a 4 digit pin and preferred method of payment prior to using text payments.

Loan Services

You Can Count On!

We’ll get you on the road or ready for any adventure, whether that’s by car, boat, motorcycle, or RV! You can count on great rates, flexible terms, and small town service. New, used, or refinance options are available. We can even get you pre-approved before you visit the dealership!

If a personal loan is what you need, we can help with that too! From the fun and exciting to the unexpected, or to consolidate your bills…we are here to help!

With Drive Your Dream, the title is in YOUR name, giving you more flexibility prior to, and at loan maturity. At any time you have the option to sell, trade, refi, or payoff without early termination fees. And, of course, you can also simply turn in your vehicle and “walk away” at loan maturity.

  • Lower Monthly Payment
  • You own the vehicle
  • No security deposit required
  • Guaranteed value at end of term
  • Available on new and used vehicles up to 5 years old
  • 7,500 – 18,000 mileage options per year
  • Enables you to easily upgrade and/or change your vehicle every couple of years

 

Questions? Call us @ 541-259-1235 or apply online today.

Frequently Asked Questions (FAQ)

If you live, work, worship, or attend school in Linn County, you are eligible for membership! (Good news, if you have family living here, you are eligible, too!)

When’s the last time you felt the peace of mind of such local control over your finances? Join us. Own us.

OWNED BY YOU

Credit Unions are financial cooperatives, which means that we are owned by the members who join, as opposed to being owned and controlled by majority stockholders.

WE’RE NOT-FOR-PROFIT

Our not-for-profit model has been around for a long time, a people-helping-people model. Neighbors pooling their money and lending it to one another.

GOVERNED BY VOLUNTEERS

We are governed by an all-volunteer board of directors, who are elected in a democratic vote at an open annual meeting.

The routing number for Linn-Co FCU is #323274762.

If you have forgotten your online banking password and need to reset it, click on the “Forgot Password” button on the login page, and you will be sent an email with instructions on how to reset it.

Sign-up today!

We have instant issue in our branches so you can receive it the same day you open your account! If it is to be ordered, it usually takes 7-10 business days for the card to arrive. Actual delivery of the card depends on postal service in your area.

Call 1-800-992-3808 from any phone to activate your card.

You can change you PIN in any branch location or at the ATM. If you choose to change your PIN at an ATM, you must know your previous PIN.

We do not charge our members a fee to access an ATM – you are free to use any ATM you choose. Plus, as a member of the Co-Op Network, most credit union ATMs across the nation will not surcharge our members, making it a completely fee-free transaction! 

Find an ATM Today!

We offer:

  • New & Used Auto Loans
  • Mortgage Loans
  • Home Equity Loans
  • Visa Credit Cards
  • RV & Boat Loans
  • Motorcycle Loans
  • Debt Consolidation
  • Signature Loans

You may apply for a loan online at linncofcu.org/loan-services/, by phone at 541-259-1235 or in one of our branches.

Yes. Linn-Co FCU is a safe place for you to save your money. Deposits are insured up to $250,000 per individual depositor by the National Credit Union Administration (NCUA), the independent agency that administers the National Credit Union Share Insurance Fund (NCUSIF). Like the FDIC’s Federal Deposit Insurance Fund, the NCUSIF is a federal insurance fund backed by the full faith and credit of the United States government. Not one penny of insured savings has ever been lost by a member of a federally insured credit union. IRA accounts are insured separately up to an additional $250,000.

Lebanon Branch
485 S 2nd St. PO Box 265
Lebanon, OR 97355

Sweet Home Branch
1428 Main St.
Sweet Home, OR 97386

Albany Branch
4129 Santiam Hwy SE.
Albany, OR 97322

Hours for Branches:
Mon-Thurs: 9am-5pm
Fri: 9am-6pm

Debt Protection

Do everything you can to take care of the ones you love.
Your family means everything to you. And if the unexpected happens, you don’t want an emotionally trying situation to be compounded by financial worry. That’s why there’s Debt Protection, which may cancel your loan balance or payments in case of:

  • Involuntary unemployment
  • Disability
  • Death

 

Life Plus
For additional protections, Life Plus can extend your Debt Protection to address a wide range of circumstances, giving you the reassurance of knowing you’ve taken steps to help you secure your finances.

GAP Plus

Essential protection for you vehicle loan and your finances.

Vehicle loan protection for what your auto insurance may not cover for a wrecked vehicle. That’s where Guaranteed Asset Protection (GAP) Plus comes in. If your vehicle is deemed a total loss due to an accident or stolen, there can be a significant gap between what you owe on your loan and what your auto insurance will cover. GAP may reduce or even eliminate that shortfall in the event your vehicle is deemed a total loss. GAP Plus helps you get into your next vehicle by reducing your next loan at the credit union by $1,000.

Protect your vehicle loan—purchase GAP Plus today!

Community Impact

We are committed to making our community better!

We rise by lifting others. Small acts transform the world. Sine July of 2022, our employees have volunteered over 1,300 hours to 51 amazing events and organizations.

 

Events, Activities & Organizations Impacted

  • Albany Downtown Trick-or-Treat
  • Albany Shred Event
  • American Legion
  • Boys & Girls Club of Greater Santiam
  • Build Lebanon Trails
  • CASA School Supply Drive
  • CASA Toys for Tots
  • Central Linn Elementary School
  • City Council
  • Cheadle Lake Fun Run
  • Christmas Pageant Director
  • Christmas Storybook Land
  • Community Halloween Party/Haunted House
  • Hearts with a Mission Lithia4kids Event
  • Horse Expo with Rotary Club
  • Ice Box CookOff
  • KidzShop
  • Lebanon Girls’ Wrestling Team
  • Lebanon Public Library
  • Lebanon Shred Day
  • Linn County Planning Commission
  • LHS Wrestling volunteer
  • LHS Leadership volunteer
  • Mattress Share of Oregon
  • Meadow Ridge Elementary School
  • Music & Brews
  • Oregon Charter Academy
  • Oregon Jamboree
  • Parks, Trees, & Trails Commission
  • Riverview Elementary School
  • Safe Haven
  • Scio High School Food Drive
  • Scio Leadership Bottle Drop
  • Scio School Giving Tree
  • Sweet Home Safety Fair
  • Sweet Home Booster Club
  • Sweet Home Community Chapel Youth Group
  • Sweet Home Elks Lodge
  • Sweet Home Genealogy Center
  • Sweet Home Softball
  • Sweet Home VFW
  • Sunday School Teacher
  • Teen Challenge Super Thrift
  • Vacation Bible School
  • West Albany JBO
  • Western Display Fireworks
  • Willamette Manor
  • Willamette Manor Giving Tree
  • Willamette Manor Trunk-or-Treat
  • Xtreme Dance Team volunteer
  • Youth Group Leader

Member Testimonials

“On each occasion, they have been extremely professional and helpful above and beyond what I expect from any other financial institution. Their rates are hands down the best rates around and they make it very painless to utilize your credit. I would HIGHLY recommend them and continue to use them for our financing needs.”
– Raven S.

“Got our auto loan approved and check in hand very quickly. Best rates too.
– Matt M.

“Very reasonable and understanding people. Best place to get a loan.
– J S.

“Very nice service and they are quick to help.
– Joe M.

“I have been a Linn-Co Credit Union member for several years and have always experienced respectful knowledgeable professional and member-friendly service at the Lebanon branch location.”
– Kate H.

“Love the quick response and great customer service.
– Anna G.

“Nice people. Good service. Professional and friendly. Small town atmosphere with big city abilities.
– Kenny H.

“Linn-Co was absolutely amazing I loved the service I got, I can’t express enough how happy I was with them, every person I dealt with treated me with the utmost respect.”
– Brandon J.

“I have been with Linn-Co for decades I believe. Love these guys. They are awesome. Great customer service!”
– Sheri M.

“I love going thru Linn-Co FCU when I wanted to get a new vehicle they were the only place I wanted to go thru. Always nice customer service.
– Rakell H.

“Efficient service with knowledgeable tellers and professional service respectful of customers.”
– Michael M.

“Went above and beyond to help with an unusual problem..Great service!”
– Dave R.

“My grandpa recommended Linn-Co FCU to me and I’m so glad I listened. My husband called to ask a few questions and they were so proactive and started our process on the spot. She was very thorough and very smart. I’m sure others there are great as well but I am just really grateful she was who we were able to work with. Will definitely recommend to others!
– Courtney H.

Perfect service, perfect people, excellent job!!”
– Tony F.

“I love that my money stays local and most of the staff grew up here too. You really are not just a number!
– Martha B.

“My interactions with the people who work here has always been really good. They are kind and helpful. I love the drive through where I can limit my interaction with others as I am old and on oxygen…thank you all for your work.
– Pam M.

Tab Version 2b:

Simple Is Better

24/7 ONLINE BANKING & MOBILE BANKING

View transaction history and account balances, transfer funds, pay bills, review your monthly statement, remote deposit a check, and more!

Watch Your Money Grow

With Linn-Co FCU Savings

SHARE SAVINGS

A $25 deposit into a Share Savings account establishes your membership with the credit union. Because a credit union is member-owned, the money in your account is the equivalent of shares.

MONEY MARKET

Enjoy higher dividends with this account with a minimum balance of $1,000, while maintaining higher flexibility to your money than certificates. The. more money you deposit, the higher the return.

YOUTH/TEEN SAVINGS

• Kids Star Saver Club (Ages 0-12)
• Teens Star Saver Club
• Continuing Education & Summer Camp Scholarships

IRAs

We offer traditional, Roth and Education IRAs. Open any IRA with just $25. Even if you have an employer-sponsored retirement plan you can still contribute to an IRA each year to boost your savings.

CHRISTMAS CLUB

You can use a Christmas club account to automate your savings and help take some of the financial stress out of the holiday season. Just a small amount every payday (but you can deposit whenever you like) will add up at the end of the year.

Online Banking

We offer Online Banking as a free service to all our members in our digital branch services. With Online Banking, you have access to your accounts 24/7, with features that allow you to check account balances, review transaction history, transfer funds, and so much more.

Don’t have Online Banking yet? It’s easy to register. Click the button below to sign up and start using Online Banking today.

Bill Pay

Never miss a payment again and pay your bills electronically, anytime, anywhere! We’ve made it even easier with our Bill Pay service, you can set up recurring payments from your checking account to ensure no payment is missed ever again.

Mobile Banking

  

Mobile banking with Linn-Co makes managing your finances easy and convenient while you’re on the go.
The mobile banking app lets you:

  • Transfer money
  • Check your account balances
  • Make a loan payment
  • Set account alerts
  • View your e-statement
  • Turn your debit card status off temporarily

 

Remote Deposit Capture (RDC)
You can take a photo of your check and deposit it into your account from anywhere, right from the phone app.

iTalk 24/7 Access

Access your accounts on your phone through our 24/7 iTalk Account Access system. Transfer money, balance your checkbook, even make a loan payment.

Call 541.259.1235, option 1.

It’s Quick & Easy! Simple as 1, 2, 3, 4...

We’re making things easier! Make a payment to your Linn-Co FCU loans or credit cards from any external account; as easy as a text message, through our website or online and mobile banking.

Member Benefits

  • Convenient ways to pay from an external account: text, website, online/mobile banking.
  • Encrypted information guarantees your information is secure.
  • Payments accepted from checking accounts, savings accounts and credit cards.
  • The transaction fee for credit card payments is only $4.99 for members, or $9.99 for staff assisted transactions. There is no fee for ACH payments.

1. RECIEVE A TEXT MESSAGE

2. VERIFY YOUR ACCOUNT

3. CREATE YOUR 4 DIGIT PIN

4. ADD YOUR PREFERRED PAYMENT METHOD

Log in to your online and mobile account using your smartphone, tablet or desktop and select ‘Make a Payment’ from the menu bar located on the left. This will take you to the payment portal where you will have to verify your account.

Yes, you will have to access the payment portal through our website or online and mobile banking. However, you will not receive any text notifications regarding payment reminders and will not be able to make a payment via text message.

Once you receive a text reminder, you respond “Pay” to the same text. You will be asked to enter your pin to verify your account. Once you have completed this process, your payment will be complete and you should receive a confirmation text. NOTE: you will have to setup a 4 digit pin and preferred method of payment prior to using text payments.

Loan Services

You Can Count On!

We’ll get you on the road or ready for any adventure, whether that’s by car, boat, motorcycle, or RV! You can count on great rates, flexible terms, and small town service. New, used, or refinance options are available. We can even get you pre-approved before you visit the dealership!

If a personal loan is what you need, we can help with that too! From the fun and exciting to the unexpected, or to consolidate your bills…we are here to help!

With Drive Your Dream, the title is in YOUR name, giving you more flexibility prior to, and at loan maturity. At any time you have the option to sell, trade, refi, or payoff without early termination fees. And, of course, you can also simply turn in your vehicle and “walk away” at loan maturity.

  • Lower Monthly Payment
  • You own the vehicle
  • No security deposit required
  • Guaranteed value at end of term
  • Available on new and used vehicles up to 5 years old
  • 7,500 – 18,000 mileage options per year
  • Enables you to easily upgrade and/or change your vehicle every couple of years

 

Questions? Call us @ 541-259-1235 or apply online today.

Frequently Asked Questions (FAQ)

If you live, work, worship, or attend school in Linn County, you are eligible for membership! (Good news, if you have family living here, you are eligible, too!)

When’s the last time you felt the peace of mind of such local control over your finances? Join us. Own us.

OWNED BY YOU

Credit Unions are financial cooperatives, which means that we are owned by the members who join, as opposed to being owned and controlled by majority stockholders.

WE’RE NOT-FOR-PROFIT

Our not-for-profit model has been around for a long time, a people-helping-people model. Neighbors pooling their money and lending it to one another.

GOVERNED BY VOLUNTEERS

We are governed by an all-volunteer board of directors, who are elected in a democratic vote at an open annual meeting.

The routing number for Linn-Co FCU is #323274762.

If you have forgotten your online banking password and need to reset it, click on the “Forgot Password” button on the login page, and you will be sent an email with instructions on how to reset it.

Sign-up today!

We have instant issue in our branches so you can receive it the same day you open your account! If it is to be ordered, it usually takes 7-10 business days for the card to arrive. Actual delivery of the card depends on postal service in your area.

Call 1-800-992-3808 from any phone to activate your card.

You can change you PIN in any branch location or at the ATM. If you choose to change your PIN at an ATM, you must know your previous PIN.

We do not charge our members a fee to access an ATM – you are free to use any ATM you choose. Plus, as a member of the Co-Op Network, most credit union ATMs across the nation will not surcharge our members, making it a completely fee-free transaction! 

Find an ATM Today!

We offer:

  • New & Used Auto Loans
  • Mortgage Loans
  • Home Equity Loans
  • Visa Credit Cards
  • RV & Boat Loans
  • Motorcycle Loans
  • Debt Consolidation
  • Signature Loans

You may apply for a loan online at linncofcu.org/loan-services/, by phone at 541-259-1235 or in one of our branches.

Yes. Linn-Co FCU is a safe place for you to save your money. Deposits are insured up to $250,000 per individual depositor by the National Credit Union Administration (NCUA), the independent agency that administers the National Credit Union Share Insurance Fund (NCUSIF). Like the FDIC’s Federal Deposit Insurance Fund, the NCUSIF is a federal insurance fund backed by the full faith and credit of the United States government. Not one penny of insured savings has ever been lost by a member of a federally insured credit union. IRA accounts are insured separately up to an additional $250,000.

Lebanon Branch
485 S 2nd St. PO Box 265
Lebanon, OR 97355

Sweet Home Branch
1428 Main St.
Sweet Home, OR 97386

Albany Branch
4129 Santiam Hwy SE.
Albany, OR 97322

Hours for Branches:
Mon-Thurs: 9am-5pm
Fri: 9am-6pm

Debt Protection

Do everything you can to take care of the ones you love.
Your family means everything to you. And if the unexpected happens, you don’t want an emotionally trying situation to be compounded by financial worry. That’s why there’s Debt Protection, which may cancel your loan balance or payments in case of:

  • Involuntary unemployment
  • Disability
  • Death

 

Life Plus
For additional protections, Life Plus can extend your Debt Protection to address a wide range of circumstances, giving you the reassurance of knowing you’ve taken steps to help you secure your finances.

GAP Plus

Essential protection for you vehicle loan and your finances.

Vehicle loan protection for what your auto insurance may not cover for a wrecked vehicle. That’s where Guaranteed Asset Protection (GAP) Plus comes in. If your vehicle is deemed a total loss due to an accident or stolen, there can be a significant gap between what you owe on your loan and what your auto insurance will cover. GAP may reduce or even eliminate that shortfall in the event your vehicle is deemed a total loss. GAP Plus helps you get into your next vehicle by reducing your next loan at the credit union by $1,000.

Protect your vehicle loan—purchase GAP Plus today!

Community Impact

We are committed to making our community better!

We rise by lifting others. Small acts transform the world. Sine July of 2022, our employees have volunteered over 1,300 hours to 51 amazing events and organizations.

 

Events, Activities & Organizations Impacted

  • Albany Downtown Trick-or-Treat
  • Albany Shred Event
  • American Legion
  • Boys & Girls Club of Greater Santiam
  • Build Lebanon Trails
  • CASA School Supply Drive
  • CASA Toys for Tots
  • Central Linn Elementary School
  • City Council
  • Cheadle Lake Fun Run
  • Christmas Pageant Director
  • Christmas Storybook Land
  • Community Halloween Party/Haunted House
  • Hearts with a Mission Lithia4kids Event
  • Horse Expo with Rotary Club
  • Ice Box CookOff
  • KidzShop
  • Lebanon Girls’ Wrestling Team
  • Lebanon Public Library
  • Lebanon Shred Day
  • Linn County Planning Commission
  • LHS Wrestling volunteer
  • LHS Leadership volunteer
  • Mattress Share of Oregon
  • Meadow Ridge Elementary School
  • Music & Brews
  • Oregon Charter Academy
  • Oregon Jamboree
  • Parks, Trees, & Trails Commission
  • Riverview Elementary School
  • Safe Haven
  • Scio High School Food Drive
  • Scio Leadership Bottle Drop
  • Scio School Giving Tree
  • Sweet Home Safety Fair
  • Sweet Home Booster Club
  • Sweet Home Community Chapel Youth Group
  • Sweet Home Elks Lodge
  • Sweet Home Genealogy Center
  • Sweet Home Softball
  • Sweet Home VFW
  • Sunday School Teacher
  • Teen Challenge Super Thrift
  • Vacation Bible School
  • West Albany JBO
  • Western Display Fireworks
  • Willamette Manor
  • Willamette Manor Giving Tree
  • Willamette Manor Trunk-or-Treat
  • Xtreme Dance Team volunteer
  • Youth Group Leader

Member Testimonials

“On each occasion, they have been extremely professional and helpful above and beyond what I expect from any other financial institution. Their rates are hands down the best rates around and they make it very painless to utilize your credit. I would HIGHLY recommend them and continue to use them for our financing needs.”
– Raven S.

“Got our auto loan approved and check in hand very quickly. Best rates too.
– Matt M.

“Very reasonable and understanding people. Best place to get a loan.
– J S.

“Very nice service and they are quick to help.
– Joe M.

“I have been a Linn-Co Credit Union member for several years and have always experienced respectful knowledgeable professional and member-friendly service at the Lebanon branch location.”
– Kate H.

“Love the quick response and great customer service.
– Anna G.

“Nice people. Good service. Professional and friendly. Small town atmosphere with big city abilities.
– Kenny H.

“Linn-Co was absolutely amazing I loved the service I got, I can’t express enough how happy I was with them, every person I dealt with treated me with the utmost respect.”
– Brandon J.

“I have been with Linn-Co for decades I believe. Love these guys. They are awesome. Great customer service!”
– Sheri M.

“I love going thru Linn-Co FCU when I wanted to get a new vehicle they were the only place I wanted to go thru. Always nice customer service.
– Rakell H.

“Efficient service with knowledgeable tellers and professional service respectful of customers.”
– Michael M.

“Went above and beyond to help with an unusual problem..Great service!”
– Dave R.

“My grandpa recommended Linn-Co FCU to me and I’m so glad I listened. My husband called to ask a few questions and they were so proactive and started our process on the spot. She was very thorough and very smart. I’m sure others there are great as well but I am just really grateful she was who we were able to work with. Will definitely recommend to others!
– Courtney H.

Perfect service, perfect people, excellent job!!”
– Tony F.

“I love that my money stays local and most of the staff grew up here too. You really are not just a number!
– Martha B.

“My interactions with the people who work here has always been really good. They are kind and helpful. I love the drive through where I can limit my interaction with others as I am old and on oxygen…thank you all for your work.
– Pam M.

Accessibility

Debt Consolidation

Borrow up to $35,000 with rates
as low as 8% APR.