Save on Your Next Loan!
Do you have a checking account with direct deposit or a direct transaction? If you do, you can receive 0.25% off your next closed end loan!*
If you don’t, come in today and talk to us about our free checking accounts, and you too can receive 0.25% off your next closed end loan!*
*Some restrictions apply. Please see a Loan Officer for details.
Important Notice Regarding Savings & Share Draft Accounts
DO YOU KNOW ABOUT FEDERALLY REGULATED SAVINGS WITHDRAWALS & TRANSFER LIMITS?
Regulation D limits the number of certain transfers that a credit union may allow from a share (savings) account. You may make no more than six covered transfers or withdrawals per calendar month or statement cycle.
The regulation can prevent transactions from clearing your checking account!
Refer to the chart in the link below which indicates the type of transfers from share (savings) accounts that would count towards the 6 limit. You are allowed any combination of the 6 covered transactions. After 6 per month, additional transactions will be rejected and overdraft fees assessed. Refer to the helpful strategies to help you manage your account.
This regulation will take effect on your accounts April 1, 2010.
Lakes Scholarship Application
It is almost time for graduation, and we would like to invite area graduating seniors to submit an application for our 2010 Scholarship Program. Once again, we will be rewarding six (6) $250.00 scholarships to six youth members who have shown scholastic excellence and who are interested in advancing their education.
We are proud of our graduating seniors and support them all in their ongoing educational goals. Applications may be picked up at the credit union office, or you can print a copy online by clicking on the link below. All applications must be returned to the credit union by March 30, 2010.
File Your Taxes For FREE!
January 18, 2010 will kick off the Just file it! program for the 2009 tax season. In the past years, this program has helped thousands of Michigan residents file their taxes for free and take advantage of the state and federal earned-income tax credit (EITC). Last year 5,425 Michgan filers received more thatn $10 million in tax refunds and credits.
Michigan residents miss out on millions of dollars in tax refunds and credits every year, and Just file it! serves those who need these funds the most. The program is one of many initiatives non-profit credit unions offer to better serve their members.
The Just file it! program is available to anyone in need of tax services no matter what their income level. All that you need is a computer, Internet access, a Web browser and a printer. The program uses a free, Web-based software program, posing questions to users and offering assistance via online chats. It is offered in English and Spanish.
Click on the Just file it! link to file your taxes!
Free Tax Prep Resources for Individual Tax Filers begins January 18, 2010. Click here on the Just file it! logo to access all state and federal income tax forms to receive important refunds and credits. This service is FREE.
Our Teen Financial Workshops Come To You
Lakes Community Credit Union offers FREE teen financial workshops to our young adult members and their parents. We now offer to come to your place of business or worship to promote strong financial beginnings.*Our workshops cover a variety of topics, such as
Contact Sue at 586-463-5001 if you are interested in having LCCU visit you. If there is a specific topic you are interested in covering, please let us know. We are here to help make sure that our youth members start their financial futures on the right foot.
Your Credit Score, Financial Tools and How to Use Them Properly, Identity Theft, Financial Goals and Tips on Getting Your First Car Loan. The workshops are hosted by professionals in their fields and give the attendees a “real” look into their financial future. Teens ages 15 and up are welcome (parents are encouraged to attend as well).
*We are unable to come to personal residences.
ATM Disclosure Changes
Effective December 29, 2009, the available balance disclosed at ATM’s no longer includes the available overdraft line of credit or available check protect funds.
