News & Announcements

Facts about fees.

Have you ever had a situation where you are making a purchase with your debit card and suddenly realize that the check you meant to deposit is still in your wallet? You worry and wonder whether that purchase will go through. We can help ease your mind.

No worries

At Ledge Light, we provide overdraft services to cover ATM and one-time debit card transactions – saving embarrassment and the extra hassles in your already busy day. We want to be sure you are aware of the overdraft protection options available to you – to ensure your transactions are processed.

1.       We have standard overdraft practices that comes with your account.

2.       We also offer overdraft protection plans, such as an overdraft transfer from your savings account or an Executive Reserve Account, which may be less expensive than our standard overdraft

 How we handle transactions that may overdraw your account.

With our standard overdraft practices, we do authorize and pay overdrafts when you write a check or make automatic bill payments, even if you don’t have enough funds in your account.

We do not authorize and pay overdrafts for the following types of transactions until you ask us to:

1.       ATM transactions

2.       Everyday debit card transactions

What fees will I be charged if Ledge Light pays my overdraft?

Under our standard overdraft practices:

·         We will charge you a fee of up to $29 each time we pay an overdraft

·         There is no limit on the total fees we can charge you for overdrawing your account

What if I want Ledge Light to authorize and pay overdrafts on my ATM and everyday debit card transactions?

To sign-up by phone, call 866-820-4845 or stop by a service center to learn more about overdraft services and other money management tools available to help you to stay on top of your account.

Update On Overdraft Transfer Fee Automatic Refund Program.

Open longer to fit your schedule.

Open longer to fit your schedule.

Ledge Light will be changing its hours, starting June 5th!

Below are the new lobby and drive-thru hours at our corporate office, 60 Colver Ave, Groton, CT.

New Wire Transfer Form!

We introduced a new wire transfer form in March 2010.

Beginning August 15, 2010, only this new wire transfer form will be accepted.

If you saved the old form to your computer, please download the new form with instructions and delete the previous version.

If you have questions, please contact us at 877-860-MYCU or visit a Service Center near you. 

Before you pay for a debt negotiator...

Ledge Light Federal Credit Union understands in difficult times some members can lose sight of their financial obligations, especially when faced with circumstances beyond their control. The stress of not being able to meet one's financial commitments has some members seeking alternative avenues. Often, members hire "Debt Negotiation" firms to represent them to formulate a plan for repayment to their creditors. These companies typically try to negotiate lower balances on the member’s outstanding debts.

Unfortunately for our members, many of these companies are “predators” and rarely deliver anything more than a financial disaster for their clients. We encourage members who are faced with financial circumstances beyond their control, to speak with our Certified Financial Counselors before paying any money to these “debt negotiation” companies. Ledge Light’s Certified Financial Counselors are well prepared to handle these types of situations and act accordingly to discuss alternative payment plans.

Ledge Light has products and services to assist members during these difficult times. Ledge Light FCU S.C.O.R.E. Credit Rebuilding Program^TM is just one of several services that has helped many members overcome debt and take back control of their financial lives.

Call 877.860.MYCU x1937 or x1908 and speak with a Ledge Light Certified Financial Counselor.

Go Paperless!

Step toward a greener lifestyle

Join the millions of others who have gone paperless to protect the environment.

Email is faster than U.S. Mail

We alert you monthly when your most recent statement is online and ready to view.

Paper statements can end up in your mailbox...or in the wrong hands

Going paperless can help protect you from fraud and identity theft.

Online statements deliver convenience

Check your account balance or your credit card statement whenever or wherever you wish.

Need to look up past expenses?

Simply log in to your account. Up to twelve months of complete online statements are just a few clicks away.

Our branch network has grown!

Did you know you can access your Ledge Light Federal Credit Union account at more than 4,000 branch locations around the nation?

We know how important it is for you to be able to take care of your financial business when you are on the go, even if one of our own service centers isn’t nearby. That’s why Ledge Light Federal Credit Union has joined “shared branching”.

Through our partnership with other credit unions, you can conduct transactions in participant’s branches just as if you were in a Ledge Light Federal Credit Union service center.

A variety of services are available:

• Make a cash withdrawal for that extra souvenir when you’re on vacation
• Deposit a check when you are shopping across town
• Make a loan payment in a branch closer to your office
• Transfer money between accounts so you can make a special purchase
• And many more

THERE IS NO CHARGE FOR YOU TO USE THIS SERVICE. All participating credit unions display the Credit Union Service Centers logo seen below.

You can find a nearby branch several ways:

• Call 800-919-2872
• Visit www.cuservicecenter.com to search or download locations to your GPS device
• Ask a Service Center Representative
• Look for the CU Service Centers logo

When you visit a Credit Union Service Center, just make sure to bring your member number and photo identification.

Pay your credit card bills online!

Get 24 hour access to your credit card account by logging into InfoLink Plus and pay off your bills, view statements and transactions!