Accessibility
We are committed to ensuring our online services are accessible to all users. The information below suggests how to obtain the best user experience on our website and explains what we have done to make the website accessible.
Adjust your computer’s settings for a better experience
You can improve your online experience by customizing your computer’s settings to meet your individual needs. For example, you can increase the size of all fonts or change the color scheme.
Keep your browser updated
We recommend you keep your browsers up-to-date. Newer browsers tend to provide more display options to make content accessible, and may work better with assistive technologies.
How we have made our website accessible
We have created our website in accordance with the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines (WCAG) 2.2. These guidelines assist website developers by describing best practices for creating websites that are accessible to all users.
Some of the ways we achieve online accessibility include:
Building webpages in a way that allows you to disable the CSS (Cascading Style Sheets) on your browsers or modify the text size using browser controls if the colors or fonts make content difficult to read.
Providing a ‘skip to content’ link at the top of all pages, allowing you to quickly access the body content on each page while avoiding headers and navigation.
Creating webpages that allow visually impaired users to navigate the site effectively with a screen reading aid. For example, images have text-based descriptions, title attributes tell users where a link will take them if they click on it, and structured headings provide an overview of the site that lets users jump quickly to desired sections.
Contact us if you have trouble using our website
If you experience difficulties in accessing any content or functionality on our website, please contact us. We are always open to making improvements to provide the best possible online experience for our users.
Fee Schedule
Non-Discrimination Notice
Know Your Rights When Buying a Home
Under the Federal Fair Housing Act, it is illegal, on the basis of race, color, national origin, religion, sex, handicap, or familial status (having children under the age of 18), to:
Deny a loan for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling, or deny any loan secured by a dwelling; or
Discriminate in fixing the amount, interest rate, duration, application procedures or other terms or conditions of such a loan, or in appraising property
If you believe you have been discriminated against, you should send a complaint to:
Assistant Secretary for Fair Housing and Equal Opportunity
Department of Housing & Urban Development
Washington, D.C. 20410
For processing under the Federal Fair Housing Act
And to:
National Credit Union Administration
Office of Examination and Insurance
1775 Duke Street Alexandria, VA 22314-3428
For processing under NCUA Regulations
Under the Equal Credit Opportunity Act, it is illegal to discriminate in any credit transaction:
On the basis of race, color, national origin, religion, sex, marital status, or age
Because income is from public assistance, or
Because a right exercised under the Consumer Credit Protection Act
If you believe you have been discriminated against, you should send a complaint to:
National Credit Union Administration
Office of Examination and Insurance
1775 Duke Street Alexandria, VA 22314-3428
Regulation D Disclosure
Federal Regulation D Limits EVERY ACCCOUNT to only 6 Electronic SAVINGS Withdrawals and Transfers Per Month
REGULATION D DETAILS:
Regulation D limits the number of certain transfers that a member can make FROM a Regular Share account. You may make no more than SIX transfers or withdrawals per calendar month in the following manner:
ACH (electronic payment transfer)
SWLACU Online
SWLACU Mobile App
SWLACU Audio Response
Telephone requests by phone with a Credit Union employee
NSF Overdraft Protection (transfer to cover overdrawn checking acct.)
What Transactions Do Not Count?
ATM withdrawals
Transactions face-to-face at the Credit Union
How can you avoid restrictions?
Do not allow electronic payments FROM your savings accounts. Instead set up the withdrawals from your checking account which has unlimited ACH withdrawals.
Send your direct deposit to your checking account, rather than your savings. The number of transfers from checking accounts TO savings accounts is not restricted.
Balance your checking account periodically to limit the number of NSF transfers FROM your savings account
Privacy Policy
Terms of Use
Truth in Savings Disclosure
Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-in-Savings Disclosure are share accounts.
Rate Information
The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all accounts, the Dividend Rate and Annual Percentage Yield may change at any time as determined by the Credit Union’s Board of Directors. The Dividend Rates and Annual Percentage Yields are the rates and yields as of the last dividend declaration date which is set forth in the Rate Schedule.
Nature of Dividends
Dividends are paid from current income and available earnings after earnings after required transfers to reserves at the end of the dividend period.
Dividend Compounding and Crediting
The compounding and crediting of dividends and dividend period applicable to each account are set forth in the Rate Schedule. The Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period.
Accrual of Dividends
For all accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the day the Credit Union receives provisional credit. For Share and Christmas Club accounts, if you close your account before accrued dividends are credited, accrued dividends will not be paid. However, for Christmas Club accounts, any accrued dividends will be paid if you close the account within seven (7) days of the date you open it.
Balance Information
To open any account, you must deposit or already have on deposit at least the par value of one full share in any account. The par value amount is stated in the Fee Schedule. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Share, Share Draft, Golden Share Draft and Trendy Share Draft accounts, there is a minimum average daily balance required to obtain the stated Annual Percentage Yield. If the minimum average daily balance is not met, you will not earn the stated Annual Percentage Yield. For all accounts using an Average Daily Balance method, dividends are calculated by applying a periodic rate to the average daily balance in the account for the period. The average daily balance is determined by adding the full amount of principal in the account for each day of the period and dividing that figure by the number of days in the period.
Account Limitations
For Christmas Club accounts, you may make withdrawals from your account November 1st through December 31st with no penalty. Withdrawals made from January 1st through October 31st will be charged a fee as stated in the Fee Schedule. You must have a minimum balance of $5.00 in your account. However, no fee will be charged if the withdrawal occurs within seven (7) days of the date that the account is opened. For Vacation Club accounts, you may make transfers or withdrawals the first seven (7) calendar days of each month with no penalties. For Share accounts, one (1) withdrawal by check per month is allowed, after which a fee will be imposed. For Premium Share Draft, Golden Share Draft, IRA and Trendy Share Draft accounts, no account limitations apply.
Fees for Overdrawing Accounts
Fees may be imposed on each check, draft, item, ATM card withdrawal, debit card point of purchase, preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. Fees may reduce the earnings on the account, t he entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Funds Availability Policy for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information.
Truth in Savings Disclosure – Certificates
Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-in-Savings Disclosure are share accounts.
Rate Information
The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For accounts subject to dividend compounding, the Annual Percentage Yields is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.
Nature of Dividends
Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.
Dividends Compounding and Crediting
The compounding and crediting of dividends applicable to each account is set forth in the Rate Schedule. The Dividend Period begins on the first calendar day of the Dividend Period and ends on the last calendar day of the Dividend Period.
Balance Information
The minimum balance requirements applicable to each account are set forth in the Rate Schedule. To open any account, you must deposit or already have on deposit at least the par value of one full share in any account. The par value amount is $5.00. For all accounts, dividends are calculated by the Average Daily Balance method with applies a periodic rate to the average daily balance in the account for the period. The average daily balance is determined by adding the full amount of the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Accrual of Dividends
For all accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited , accrued dividends will not be paid.
Transaction Limitations
After your account is opened, your ability to make additional deposits to your account or withdrawals of dividends and any limitations on such transactions are set forth in the Rate Schedule. For Expandable Share Certificates accounts, each deposit can not be less than $25.00 and deposits can be made as often as a member would like. All deposits will get the rate that the certificate was opened at and all deposits apply to increase the principal of the certificate.
Error Resolution Notice
Notice to Members:
In case of an error or questions regarding your electronic transfers, give us a call at 337-477-9190 or submit your request in writing and mail it to Southwest Louisiana Credit Union, 2255 E. McNeese Street, Lake Charles, LA 70607. If there is an error regarding your statement, receipt and/or you would like more information about a transaction, you must notify us within 60 days of receiving your first statement showing the error in question.
When submitting your request, please include the following information in writing:
Your name, account number and contact information
A description of the error along with explanation of why you are requesting this specific information
The dollar amount in question
If you tell us verbally, we may require that you submit a written request with the information referenced above within 10 business days of verbal request. If we do not receive the written request, we will not begin our investigation; therefore your account may not be credited.
Once we receive your request, we will begin the investigation into your request. This may take up to 45 business days. If we find that your request was valid, we will correct the error and credit your account promptly within 10 business days.
If we do not find that your request is valid, we will notify you in writing within 3 business days with an explanation after the investigation is completed. You may request copies of the documents used to complete the investigation.
Thank you for your cooperation,
Southwest Louisiana Credit Union
USA Patriot Act
Notice to Members for Customer Identification
Pursuant to the USA PATRIOT ACT Section 326 (Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism), every financial institution in the United States will be required to ask new and existing members for identification to conduct any financial business such as the following, but not limited to:
opening new accounts
adding an individual to an account
Wire transfers
ACH transactions
To continue to comply with the new federal regulations designed to protect you from identity theft, Southwest Louisiana Credit Union employees will ask you to provide a valid photo ID when conducting your financial business. This procedure is not meant to invade your privacy, but to protect your privacy. Your privacy is our main concern!
When opening a new membership and/or a minor account you will be asked for two forms of identification such as the following:
One form MUST include one of the following photo ID’s:
Valid state driver’s license / Valid state ID Military ID
Military ID
Passport Immigration card
State/Local Government issued ID Employer issued ID* (must accompany a recent paystub from current employer and social security card)
Student ID* (you may be asked to provide a school officials name and contact information for verification)
TWIC card
Other ID’s may include:
Social security card
Certified birth certificate
Paystub from current employer Immigration documents
Local utility, gas, telephone and/or water bill (In members name)
Insurance and/or Voter’s registration card (In member’s name)
Individuals opening a Minor account must provide the two forms of identification referenced above along with the minor’s original social security card for verification. If you do not have the correct identification at the time of the request, we may not be able to complete your request at that time.
Thank you for your cooperation, Southwest Louisiana Credit Union
Equal Opportunity Rights
Click the button below to access the Equal Opportunity Rights Poster
Contact Us To Receive Any of the Following
Funds Availability Policy
Direct Deposit Form
Mobile Deposit Agreement
Mobile Deposit Instructions
Wire Instructions
Excessive or Luxury Expenditures Policy
Equal Opportunity Rights - Treasury Programs