CUtopia Federal Credit Union is not a real credit union. This site is for demonstration purposes only.

  • Share Savings Account

    • Credit union membership begins with a minimum deposit of just $5.00 to a primary share savings account and payment of a one-time $5.00 membership fee.
    • Primary share savings account is a dividend earning account for your savings and also provides access to our other products and services.
  • ATM Card (for primary share savings account)

    Provides access to primary share savings at ATM locations on the Visa®, Plus, ALLPOINT and Pulse networks worldwide.

    Check primary share savings account balance.

    24/7 access to your account.

  • Checking Account Program (Four to choose from)

    Starter e-Checking/ Basic Checking/ Premium Checking/ Free Premium Checking

    With any of the four accounts you will receive:

    • Visa® debit card.
    • Detailed monthly e-statement for easy
    • Low minimum opening deposit.

    Check our website for more information.

  • Debit Card (for members with checking accounts)

    Allows purchases at merchant locations that accept Visa® and distributes cash back at participating merchant locations – just swipe your card and sign.

    Works as an ATM card for making withdrawals from savings or checking at ATM locations on the Visa®, Plus, ALLPOINT and Pulse networks worldwide.

    24/7 access to your account.

  • Free Mobile App

    Search for La Terre FCU in your App Store/Google Play Store and download our free Mobile App.

  • Online Banking

    Unlimited 24/7 access to your account information.

    Check balances, verify transactions, and confirm deposits and payroll deductions.

    Review and print account statements.

    Transfer funds between share savings accounts and transfer funds to pay on your loans.

  • Online Bill Payment (for members with checking accounts)

    • Convenient online service to pay your bills via your personal computer or smart phone.
    • Set up automatic payments, such as a car or mortgage payment.
    • Schedule single payments in advance.
    • Track payments online.
    • Set up bill reminders.
  • Share Certificate Savings

    Investments with our highest available fixed rate of return.

    Offered for 6, 12 and 18 month terms. Minimum balance of only $1000.

    Dividends can be reinvested monthly, credited to another account in our credit union, or paid by check.

    Penalty for early withdrawal.

  • Club Savings (Dividend Earning Accounts)

    Christmas Club savings for your holiday spending. Funds are transferred to your Share Savings account on October 1st.

    Vacation Club savings to fund your vacation or summertime spending. Funds are transferred to your Share Savings account on May 1st.

  • Apple Pay

    Add your La Terre FCU credit and debit cards to your Wallet app and use Apple Pay at any participating merchant or app.

  • Visa Gift Cards (Prepaid)

    Give the gift that someone can use to buy what they really want.  Can be used for signature/PIN Point of Sale, cash advances and ATM withdrawals.

  • Direct Deposit

    • Enjoy the convenient service of having your paycheck deposited to your Share Savings or Share Draft (checking account).
    • Funds are available immediately, even if you cannot visit our office.
    • Savings can begin earning dividends faster each payday.
    • Your paycheck cannot be lost or stolen.
  • Online Loan Applications

    Apply for a loan on our website 24/7 and receive a decision within seconds.

  • Auto Loans

    • Loans for new and pre-owned autos, trucks, vans and motorcycles.
    • Finance up to 100%, plus tax, title, and warranty*.
    • Enjoy low monthly payments with our flexible terms.
    • Refinance your existing auto loan from another lender at our low rates and save money.

    *On approved credit.

  • Recreational Vehicle Loans

    Purchase your ‘Dream Boat’ or get the RV, Motor Home, or Travel Trailer you have always wanted.

  • Other loans to meet your needs

    • VISA® credit card and Lines of Credit
    • Personal Loans.
    • Share Savings or Share Certificate secured loans.
    • Tuition, Credit Re-builder, Holiday, Vacation, Payday alternative and other loan specials.
  • Guaranteed Asset Protection (GAP)

    Protection on vehicles, considered as ‘totaled’ or if stolen, for the difference between what is owed and what an insurance company says it is worth.

  • Key Guard with IWS

    In the event Contract holder’s key is lost, stolen or destroyed, IWS will pay for a replacement key.

  • Mechanical Breakdown Protection

    Covers repairs on new and pre-owned vehicles after the manufacturer’s warranty expires.

    Protection can have a cost savings up to 40% less than if purchased at a dealership.

    Can save hundreds of dollars on future car repairs.

    Zero-dollar deductible option and choice of repair.

  • Insurance

    • Credit Life and Credit Disability Insurance protection on credit union loans.
    • Accidental Death and Dismemberment Insurance, Whole Life and Term Life Insurance and Automobile and Home Insurance (with Liberty Mutual) are available on the TruStage program through CMFG Life Insurance Company.
  • Facebook

    ‘Like’ La Terre Federal Credit Union on Facebook. Go to our website,, click on the Facebook logo and ’Like’ our page.             

  • Payroll Deduction Service

    Have a specific amount of your paycheck automatically allocated to any of your La Terre Federal Credit Union savings and/or loan accounts

  • Invest in America

    Exclusive savings for credit union members through the invest in America program. With the Invest in America program, credit union members have access to valuable offers from Sprint, Allied Van Lines,, DIRECTV, Shop America and Members Auto and Homeowners Insurance. Visit for other savings information.