If you are immediate family of a current member of Land of Lincoln Credit Union, regardless of residence, you can bank with us. Immediate family members include children, parents, spouses, siblings, grandparents and grandchildren. Credit Unions are not-for-profit financial cooperatives that are member-owned and whose sole purpose is to serve the financial needs of their members. Credit unions are not labor unions. The term “credit union” is merely another term for “non-profit financial cooperative”. The people helping people philosophy of credit unions sets them apart from other financial institutions based on the quality and affordability of the products and services offered. Credit unions return earnings to their members through higher savings rates, free or low-cost services, lower fees and lower loan rates.