Welcome to Lowland Credit Union Routing Number 264280035 Our Mission Statement Since 1953, Lowland Credit Union has been committed to providing quality, professional services to all members in a sound, efficient and caring manner. At Lowland Credit Union, you're more than a customer, you're an owner of the credit union. Because we are not for profit, we can offer services to you at a lower cost than many other financial institutions. Stop by one of our offices today to learn more about our products and services  from checking to online bill pay, we have something to fit your needs. We have everything from great loan rates, VISA debit and credit cards to Notary service for our members. We have been serving the Lakeway area since 1953. Our desire is to lend responsibly and invest wisely - we want to let people know that they come before profits. If that's a mission you believe in, join us today and take advantage of many of the products and services that the big banks offer. No matter how much things change around us, here at LCU we will remain true to our founding principles - no matter what. Any profits we make are returned directly to you, our members. Not a member? Come in today and see how we can help. To join just bring in your unexpired Government issued photo ID and Social Security card. For minors, we will need to see their birth certificate and Social Security card. Call us at 423-581-8345 or 423-623-2800 if you have questions about the credit union.  Lowland Credit Union - a legacy of service! Visit this website for some great information for credit union members!  www.lovemycreditunion.org   2012-2013 ACADEMIC SCHOLARSHIPS    Lowland Credit Union is pleased to offer four scholarships to High School Seniors and/or Continuing Education students. Scholarships available are the Lee Johns Memorial Scholarship in honor of Lee Johns, former board member. This scholarship is $2,000.00. The other three scholarships are $1,000 each.Applications are now ready for pickup at any of our offices.  For more information please call Vonda Dean at 423-254-8346.                                                                   Winter is in the air! Are you ready for the season?  See us for your loan needs! i CALL 24  To reach Call24 for your account balances, make transfers and more, please call one of the following numbers:                       423-581-8345, option 2 or 1-888-581-8345, option 2                                          Great Loan Rates!See a Loan Officer Today!     Now is the perfect time to start a Christmas Club account for 2012! You can   open the account with a minimum deposit and put what you want in there the rest of the year. The Christmas Club pays out the first week in December - just in time for your Christmas shopping! You can come in and deposit or have it taken directly from your check!  For more information, just stop by one of our three offices or call 423-581-8345.          ATTRACTION DISCOUNT TICKETS AVAILABLE INCLUDE Titanic Ripley's Aquarium  Old McDonald Mini Golf (located at Tanger Outlet, Pigeon Forge)  Biltmore Estate (Ashville, NC) Movies  Knoxville Zoo tickets will be available in the spring.    E-statements/Online banking                       Online banking is a free service from your credit union. To enroll in online banking click this link:  www.secure-lowlandcu.org/Centryx/servlet/com.sos.webteller.WebTellForms  Help us go green! Once you log into your account you can select eStatements from the box on the site. You can access your statements at anytime. If you have questions please call us at 423-581-8345   The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE) act requires credit union mortgage loan originators and their employing institutions to register with the Nationwide Mortgage Licensing System & Registry (NMLS). Shandi Hill,  NMLS number is #630737, is the Lowland Credit Union Mortgage Loan Originator. Shandi has been properly registered with the NMLS. To find out more information about the Nationwide Mortgage Licensing System registry (NMLS) and verify the status of a Registered Loan Originator visit www.nmlsconsumeraccess.org.    Stay Secure In these troubling economic times, some people are working hard to cause others trouble. Here are a few tips for you on "staying secure". Help us protect YOUR financial information by: Checking your statements frequently to ensure they match your recollection and your other records.If at ANY time you notice discrepancies between your statements and your other records, please notify us immediately. Never give out account numbers or other personal financial information, unless you can validate the authenticity of the requestor. Always shred personal and financial information before discarding it. Every year, review your credit report. You're entitled to a free credit report annually. Simply contact one of the three main credit-reporting bureaus:   EQUIFAX EXPERIAN TRANSUNION 800-525-6285 888-397-3742 800-680-7289 equifax.com experian.com transunion.com   Important Notice   Please be aware that we will never contact you by phone to get any account information. If you should get a call from someone who claims to be from the credit union, please do not give out any information at all. This could be a scam and once they get your information, they can cause a lot of problems. Also, if you get an e-mail message from the credit union asking you to update any information, do not open it.  This has not been sent by us. Opening these messages could contain a virus that could harm your computer.  Delete any of these messages should you get them and notify the credit union.  Please click the link below for information about identity theft.  http://www.ftc.gov/idtheft"   PARTICIPATING NETWORK ATMs Lowland Credit Union is now a part of the surcharge free CO-OP Network. What this means for you - your ATM card can now be used in more than 19,000 ATMs in the US and Canada - no fee. To find an ATM in the area you will be visiting, click the Co-Op logo on this page, enter in the city and state and you will see a listing of all available surcharge free ATMs. If you have any questions, please call the credit union!  NOTICE TO ALL MEMBERS OF LOWLAND CREDIT UNION The Unlawful Internet Gambling Enforcement Act prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful internet gambling. The Dept. of Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement this Act.   As defined in Regulation GG, unlawful Internet gambling means to "place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received or otherwise made". Restricted transactions are prohibited from being processed through your account. For additional information or questions regarding Regulation GG or the UIGEA, please contact one of our offices. Office Locations  Main Branch  622 West First North Street, Morristown,  37814   Morningside Place  1551 East Morris Boulevard, Suite A, Morristown,  37813   423-581-8345 (both offices) Newport  451 West Broadway, Newport,  37821   423-623-2800