Products & Services

Loan Products:

Second Mortgage Loans

Use the equity that has accumulated in your home to lock in on our fixed rate, possibly tax deductible, loan with terms of 24 to 180 months for home improvement, a new car, vacation, children's college, etc.

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Home Equity Line-of Credit Loans

We offer Home Equity Line-of-Credit Loans for just about any purpose you could want. Our closing costs are very minimal and may be included in your loan or paid at closing

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Automobile Loans

We offer auto loans for new and used autos. Terms are available up to 72 months.
Up to 100% financing is available to qualified borrowers. Want to check out the value of an auto? Take a look at
Call one of our loan officers to see about getting pre-approved credit union or bank in town and we'll match it!

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| Rates | Apply


Boat Loans, Motorcycle Loans, RV Loans

Is this what you are looking for? We can help you with vehicle loans for motorcycles, RV's, or boats/trailers. We have competitive rates and terms. Check out your options with us before shopping anywhere else

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Signature Loans, Revolving Credit Loans

For those purchases you don't want on your credit card or for those of you who don't like using credit cards, then LouChem's signature. Our loan department can give you more information on either of these loan.

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We have the VISA (Classic card with credit limits up to $10,000 for qualified borrowers. Our Card has a fixed rate with no annual fee. Call today to qualify for your low cost access to credit.


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Savings Products:

Share Accounts (Savings)

This is the primary account for all of our members. Our share accounts are comparable to what some may call a passbook account. A minimum deposit of just $5.00 is all that is needed to open your credit union membership.


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Share Draft Accounts (Checking)

As the primary financial institution for many of our members, our Share Draft Account is a popular type of account. This account has NO MONTHLY SERVICE CHARGE and requires NO MINIMUM BALANCE. Qualified members may receive our MasterMoney™ Debit Card or our ATM card to use.

With the advantage of direct deposit of your payroll check, your social security payment, or your retirement check, you no longer have to wait in line to make a deposit and get cash back. Let your money beat you to your account, earn more dividends, and get cash through all our convenient services.

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Money Market Accounts

Do you want a higher return on your account? Then our Money Market Account is for you. The minimum deposit to open and maintain the account is $2500.00. There is no monthly service charge. Market based dividends are paid on the account. Dividends are calculated daily and credited to your account monthly.

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Christmas Club Accounts, Special Savings Accounts

Still needing more saving ideas. Ask us about these special accounts to help you save money.  We are here to serve you!


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IRA Savings Accounts

It's never too early or too late to start saving for retirement. We offer Traditional, Roth and Educational IRAs, as well as, IRA Share Certificates. Check with our member service department for details.


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Share Certificates

We offer a wide variety of share certificates of deposit to meet your investment needs. The minimum deposit to open and maintain a share certificate is $500.00 and we offer many terms with highly competitive rates.


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Other Products:

Entertainment and WorldWide Lodging Discounts

Entertainment Discounts available to various theme parks around the country. Call and reserve your tickets today. Tickets are available on a limited seasonal basis only, so you better hurry!

  • Kings Island
  • Cincinnati Zoo
  • Dollywod/Splash Country
  • Holiday World
  • Louisville Zoo
  • Ripley's Aquarium of the Smokies
  • Indianapolis Zoo
  • Newport Aquarium
  • Paramount's Kings Island
  • Ripley's Aquarium of the Smokies
  • Beach Bend
  • Creation Museum
  • Knoxville Zoo
  • Nashville Zoo

WorldWide Lodging Discounts available through Best Western

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Audio Teller Access

With our Audio Teller System you can access your account 24 hours a day, seven days a week from any touchtone phone. You can make balance inquires, transfer money from one account to another, make loan payments, and check on your account history all with just the touch of a button.


Alliance One Member

We are proud to be in the Alliance One Network. What is the Alliance One Network? It is a group of financial institutions working together to save you money when using your ATM or MasterMoney™ Card. As the largest non-network-specific selective-surcharge ATM alliance in America, Alliance One gives you convenient access to your money - whether your're traveling across the country or just across town. Bringing together 1050 credit unions, community banks and thrifts, Alliance One offers 3718 convenient ATMs in 38 states, Puerto Rico, and the District of Columbia.

Insurance Plans

Insurance plans can be purchased through our credit union to benefit you in the coming years. We offer policies for Accidental Death and Dismemberment, Term Life, and Cancer.




Other Services

  • Payroll Deduction
  • Money Orders
  • Wire Transfers
  • Sam's Club Membership
  • Direct Deposit
  • Certified Checks
  • MasterMoney™ Debit Cards
  • Notary Public Services
  • Medallion Signature Guarantee


We do business in accordance with the Federal Fair Housing Law & Equal Credit Oppt Act

NCUAYour savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government, National Credit Union Administration, a U.S. Government Agency.