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Membership Services

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By opening a savings account with a deposit of at least $35, your membership is established in Light Commerce Credit Union. Your savings account offers a competitive dividend with a balance of at least $100.  Watch your savings grow with regular automatic deposits. By using an allocation from your direct deposit, payroll deduction or an automatic transfer from another account, savings is easy.


This account offers a savings option for a minor child. With a minimum deposit of $35, your child can have their own account and be taught the importance of saving. Choose from our regular minor account that gives the minor child the opportunity to learn to make deposits and withdraw funds. Or, if you prefer to have sole access to the account for the benefit of the child, we can setup a TUTMA account.


Planning a great summer getaway? We can help you get there. All you have to do is make a minimum deposit of $50.00 and then make a regular deposit (with no withdrawals) starting May 15 through April 30 of the following year. Effective May 1, you'll have the option to continue saving, transfer balance to another account or withdraw funds.


Similar to the Vacation Club, this account is designed to help you save for holiday expenses. Simply make a minimum deposit of $50.00 and then make regular deposits (with no withdrawals) starting November 15 through October 31 of the following year. Effective November 1, you'll have the option to continue saving, transfer balance to another account or withdraw funds.


The 52 week savings challenge allows you to strategically save a certain amount of money each week over a period of 52 weeks. For example, in week 1 you save $1, week 2 you save $2, week 3 you save $3 and so on until the very last week where you save $52.   You can also do the 52 Week savings money challenge.  In week 1, you save $52, week 2 you save $51, week 3 you save $50 and so on until you get to week 52 where you save just $1.  At the end of 52 weeks, you will have saved $1,378.


Whether your goals are short or long term, we have a Certificate of Deposit to fit your needs. With a minimum opening balance of only $500, you can put your money to work as hard as you do. Terms are available from 6 months to 12 months. Penalty for early withdrawal.


A prize linked savings account that allows you to save while offering you a chance to win monthly and quarterly cash prizes.  The minimum monthly deposit is $25 to be included in the cash prize drawing. Terms are for 12 months, and there is a penalty for early withdrawal.


Enjoy unlimited FREE check writing.

  • No minimum balance required
  • No monthly service charge
  • FREE online banking with bill pay
  • FREE mobile banking
  • FREE check images
  • FREE and secure e-Statements
  • Automatic overdraft protection from savings account
  • Free account alerts
  • Direct deposit
  • Mastercard Debit Card available
  • Accounts Federally insured up to $250,000


Whether you are shopping in store or online, dining out, or even paying bills online, your Light Commerce Credit Union Mastercard Debit Card is the safe and convenient alternative to cash or checks.

  • It is safe & convenient - you may never write another check
  • Funds are deducted directly from your checking account
  • Accepted wherever you see the Mastercard logo


Light Commerce Credit Union has some of the most attractive interest rates for new and used vehicles, as well as boats and recreational vehicles. Fast pre-approvals make it easy for you to shop for a new vehicle, knowing you have the cash you need. It is a smart move to get pre-approved! Light Commerce Credit Union works with car professionals who are committed to helping you purchase your vehicle at the right price. In addition, we have a list of dealers who are willing to work with credit union members.


The perfect answer for those miscellaneous purchases. Light Commerce Credit Union offers unsecured loans established for a predetermined period of time with specific payments. A signature loan can be set up for household goods, computers or other personal needs.


Light Commerce Credit Union offers share secured loans that enable you to establish or rebuild your credit. The amount borrowed is deposited and held in your savings account for the term of the loan. Once the loan is paid in full, the amount in your savings account is released to you plus any interest earned.


Auto Exam is a service designed for those members investing in a used vehicle. Auto Exam conducts 100-point inspections of used vehicles and reports the condition of the vehicle, before purchase. It takes the worry out of buying a used vehicle, all for a nominal fee.


Extended warranty coverage is available on your new or used vehicle. This coverage is similar to what the dealerships offer, but at a much more reasonable price. You are not restricted to any repair location and can choose the mechanic of your choice.


Credit Life and Disability Protection will cover loan payments in case of death or disability, protecting your family from unnecessary hardship. Both are available for a nominal fee.


Guaranteed Asset Protection (GAP) is a great way to protect your finances if the value of your vehicle is less than the amount of your car loan. A good rule of thumb is to assume your new vehicle will lose on average 19% the first year you own it, half of which occurs immediately after taking possession.* This leaves a “gap” between what you owe on your loan and the value of your vehicle. In the event of a total loss due to an accident or theft, GAP is designed to cancel the difference between what you owe on your loan and the amount paid by your primary auto insurer.  Gap Insurance Plus offers a $1,000 down payment toward your next automobile purchase provided you finance with the credit union.


Light Commerce Credit Union offers free counseling to its membership. Simply obtain your Trans Union, Equifax and Experian credit reports at no cost at Once received, call our office to schedule an appointment at 281.765.1930.


Life seems to be busier and more complicated every day. That is why Light Commerce Credit Union provides you with anywhere, anytime access to your accounts. Manage your money when and where it works for you - in person at a branch, by phone or web, 24/7/365 online access. Manage your accounts with the click of a mouse from any internet-enabled computer.

  • View account balances and transactions
  • Transfer funds
  • Make loan payments


Allows you to perform the same activities as online banking using your smartphone.  Download the Light Commerce Mobile Banking App at Google Play or the Apple Store.  Follow the prompts to activate mobile banking.


With shared branching, credit unions from all over the country share facilities to give members thousands of convenient locations to perform transactions just as if they were in their home credit union. Whether you are at work, home, or your favorite travel destination, your credit union is always nearby. Text your zip code to 91989 to find the closest shared branch location.  You can conduct a range of transactions such as:

  • Deposits
  • Withdrawals
  • Loan Payments
  • Make transfers between accounts
  • Purchase money orders, travelers checks and official checks

(To take advantage of this service, when you enter a shared branch you only need to bring: Home Credit Union's Name, Account Number, Valid government-issued photo identification, i.e., State Driver's license, US Passport)


  • Mortgage Loan Services

For additional information, call 281.876.7576.


1535 Greensmark Drive

Houston, TX 77067

Mailing Address

P.O. Box 670494

Houston, TX 77267



10:00 AM - 4:00 PM