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Current News

Click on the links below for the latest News & Events from Ladysmith & District Credit Union (LDCU).

Online Banking Security Update

On September 12th, 2018, as part of an initiative to improve our members' experience and improve our security posture, we upgraded to Risk Based Policies Authentication, an option within MemberDirect Online Banking. This change empowers the Risk Engine to determine when to ask our members for their challenge questions instead of asking each and every time they login.

The Risk Engine is an authentication solution that uses risk scoring to authenticate end users. At the same time, it maintains a simple username and password login to ensure a seamless member experience. The Risk Engine creates a pattern of usage for individual members based on device, location and other behavioural patterns. It evaluates each transaction against the users' pattern, scores each individual login/transaction and can notify the LDCU Fraud Team or block the transaction altogether, to help identify and prevent fraudulent activities.

Some Choices Matter.

Including choosing where you bank. It’s time to get the message out - where we choose to bank has a massive impact on our communities.

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Prime Rate3.70%