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Archives
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LINCONE Federal Credit Union News Archives
ARTICLES
CAUTION: Your Identity At RiskMillions of Americans are affected each year by identity theft. If your identity is stolen, you could spend months or years and possibly thousands of dollars reclaiming your name and cleaning up the mess that the thief has left you.You can minimize your risk by aggressively managing your personal information and through continual awareness of the problem. Here are some examples: Social Security Number - the Key to Your Castle:
Passwords - As Good As Gold
Technology - Be on the Lookout
At Home - Manage Your Personal Information
When You Are Out and About
At Work - Practice Security and Question Everything Protect your personal information at work. Find out who has access to your personal information and whether records are kept in a secure location. Also ask how records are destroyed when they become outdated. In summary, make sure you protect what you can control as best you can. Then constantly monitor your financial records to make sure thieves haven't gotten a hold of the data that is out of your hands. The best offense is a good defense. Be aware of identity theft, keep close track of your information and report any suspicious activity immediately. | ||||||||||||||||||||||||||||||
Whether your family income is $30,000 a year or $300,000,
you'll benefit from having a budget.
Remember when purchasing a new or used vehicle, it is not only the purchase price that
makes a difference, the financing will also determine if you save money. Always contact
the credit union before signing anything to compare interest rates and available terms.
LINCONE Federal Credit Union has been serving over 5 generations of families just like
yours, matching products and services to their constantly changing lives. Whether saving
for a child's future, financing a new vehicle, or purchasing a new home, we are the first
one members and their families trust.
The holidays are fast approaching and you want your family to have the very best this
year. Whether it's financing a big screen T.V., jewelry, or that special gift, contact
LINCONE first!
LINCONE will once again partner with Santa to raise money for Children's Miracle
Network through the Letters from Santa campaign. Beginning in October, contact the
credit union and complete a form to personalize a letter from Santa to your little loved
ones (children, grandchildren, nieces, nephews, or any special little one) for only $3.00
each. The order deadline is November 29th and letters will be mailed the week of
December 11th. All proceeds will benefit Children's Miracle Network and Children's
Hospital.
LINCONE Federal Credit Union, in cooperation with other Lincoln area credit unions,
will collect toys and gifts for children and teens for the Star City Stocking Stuffer
Program through December 13th, 2006.
Protect yourself from identity theft! Clever thieves can open accounts, run up thousands of
dollars in debt, and disrupt your financial life for months or even years. Now more than
ever before, it's important to take steps to protect yourself from this growing crime.
Now is your chance to share that fabulous recipe that everyone loves! LINCONE Federal
Credit Union, in cooperation with the Nebraska Credit Union League, is collecting cookie a
nd bar recipes from credit union members across the state for the 2006 Children's Miracle
Network(CMN) Credit Unions for Kids Cookbook.
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ANNUAL MEETING NOTICE 1955-2005The 50th Annual Meeting of Membership of LincOne Federal Credit Union is scheduled for Thursday, April 6, 2006. The Annual Meeting will be held at the Country Inn and Suites located at 5353 North 27th Street from 6:30pm to approximately 8:30pm.
The enclosed "Election Procedures notice introduces the nominees for four (4) positions as presented by the nominating committee. Other members may be nominated by having a nomination petition signed by 73 members (1% of the current membership) and returned to the credit union by Feb. 22, 2006. Petitions are available at the credit union office located at 4638 W Street, Lincoln, NE 68503. Ballot boxes will be available prior to the Annual Meeting, according to the schedule on the enclosed "Election Procedures" notice.
Thursday, April 6, 2006 at the Country Inn & Suites 5353 North 27th from 6:30pm to 8:30pm
Please RSVP to the credit union by
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Arrive at 6:30pm to socialize with other members. The business meeting will begin promptly at 7:00pm. A cash
bar along with complementary hors d'hoeuvres will be provided prior to the business meeting. Immediately following
the business meeting, Jim McKee, Lincoln Historian, will do a presentation about the history of Lincoln/Havelock
area and how it has grown and changed over time. Admission is FREE of charge, but please contact the credit union
at 402.441.3555 to make your reservations.
The Spirit of the Holiday:
LincOne Federal Credit Union thanks Kris and her pre-school class, from Bryan LGH Child Development Center, for
their donation of over 70 toys to the Star City Stocking Stuffer Program.
We would also like to thank all of our members who have donated so many toys this year. This year is our largest collection of toys in the 15 years we have participated in the Star City Stocking Stuffer Program! The toys were delivered to the Lincoln Action Program on Wednesday, December 13, and will be distributed to less fortunate children and teens in our community during the Lincoln Action Program's Holiday Gift Giving Event. Every year we are proud to participate in the Star City Stocking Stuffer program and demonstrate the caring and giving of our members. Thanks to you, many children in our community will smile this Holiday Season.
THANK YOU! |
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Financial Education & Management
BEGINS HERE! LINCONE Federal Credit Union is pleased to announce the newest member benefit - Accel Members Financial Management.
LINCONE has teamed up with Accel, a financial management program. Through comprehensive education and exceptional service, this organization has been assisting individuals for more than 40 years. Through our partnership with Accel, you will enjoy unlimited access to financial counselors without paying - it's free! As a member of LINCONE, you can receive assistance with:
Accel counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 1 p.m. To use this new service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at www.accelservices.org. |
As a valued member of LINCONE, we are committed to serving you. And as a benefit
of your membership, we are providing you with free access to money management and
financial education services.
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CELEBRATING OUR 50TH ANNIVERSARY
October 17th-21st 2005
Please help us celebrate our 50th Anniversary beginning October 17-21st, which is coincidently International Credit Union Week. Enjoy free give-a-ways and prizes during the week, and on Thursday, October 20th the credit union will provide cake and refreshments! We look forward to seeing you! Thank you for a tradition of commitment and ownership that has been passed down from generation to generation. You, our members, are the reason we are celebrating our golden years of service! THANK YOU! |
The credit union was chartered on October 14, 1955 to provide a financial alternative for
GOODYEAR Tire and Rubber Co. employees and their family members. Today, the loyalty and
commitment of our long-time members and volunteers combined with the growth provided from
new members, the credit union has evolved from a single part-time employee credit union
(1955) to a present day $38 million dollar primary financial institution available to
those who live, work, worship or attend school in Lancaster County!
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An Expedition of Savings
Terry and Amy purchased an '05 Ford Expedition in June and didn't feel comfortable financing with the dealer. They called the credit union and found that they could save money on the extended warranty, GAP insurance, interest rate plus no fees. They visited with Ben Martens, Financial Service Representative, and he told them what the credit union can offer. "We didn't realize the credit union offered extended warranties or GAP insurance. The coverage was exactly the same at a much lower cost then the dealer, which saved us close to $3,300. That isn't including the lower interest rate savings." said Amy. "We were so happy with our experience with the credit union that we told our kids to move their vehicle loans to the credit union." Terry will retire from Goodyear Tire and Rubber Nov 1st after 34 years, and Amy is a purchasing assistant with LPS. |
Terry and Amy C., 30+ year members of the credit union, will tell you they
"Highly recommend the credit union when you need to finance your vehicle. The
personal service was wonderful! Everything about our loan was explained in detail
and we trust the credit union," said Amy C.
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2005-2006 Scholarship Winner
When asked how she found out about the scholarship contest Mary Ann chuckled and said "It was really funny, both my parents independently brought home a scholarship entry form after visiting the credit union. Obviously I was happy they did." Mary Ann learned several things about credit unions during the contest. Her research about credit unions took her from 1935 to present day. "Of all the research I did one thing that really stood out was that credit unions focus on the community and their members. I really felt that this was important and it was the main focus of my essay," said Mary Ann. Mary Ann was presented a $650 check which was made payable to her and Nebraska Wesleyan University where she is a sophomore pursuing a double majoring in special/elementary education. Congratulations Mary Ann! |
Mary Ann R., LincOne FCU member, is one of the Lincoln Chapter
of Credit Union's 2005/2006 Scholarship winners. Contestants wrote essays
about "Why consumers should have a choice in belonging to a credit union"
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GOTCHA COVERED WINNER
Mark learned about the credit union from his Novartis co-workers on first shift in the OTC Solids Department. He was glad they told him about the credit union because he was very satisfied and stated, "The approval process was quick and the interest rate was great. The individual attention and the personal service was also great. I would definitely recommend the credit union." The credit union management and staff would like to congratulate Mark and encourage other members to always think of the credit union first for their borrowing or financing needs. |
Mark M was the winner of an extended warranty package worth up-to
$1,200.00 offered by the credit union during the "Gotcha Covered" promotion.
Mark qualified to win after he financed his 2002 Nissan Exterra with the
credit union, which he purchased in June. Although he purchased the extended
warranty from the credit union before his name was drawn, the credit union
reimbursed $1,200 off of the $1,500 price of the warranty.
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DON'T TAKE THE BAIT
How does phishing work? Phishers also use the phone to hunt for victims' personal information. Some pose as employers and call or send emails to people who have listed themselves on job search Web sites.
How can you tell if the person or company who contacted you is legitimate or a con artist?
What should you do if you got hooked by a phishing scam? Remember, security tools such as PIN numbers and passwords help keep your transactions safe. Keep them private! |
You've probably heard about identity theft - people stealing other people's personal information to use for illegal purposes.
In a new scheme called "phishing," ID thieves trick people into providing their Social Security numbers, financial account
numbers, PIN numbers, mothers' maiden names, or other personal information by pretending to be someone they're not.
Don't click on links in emails that ask you to provide personal information. To check whether an email or call is really
from the company or agency, contact it directly by phone or online. If you don't have the telephone number, get it from
the phone book, directory assistance, or the Internet. Use a search engine to find the official Web site; Job seekers
should also verify the person's identity before providing personal information to someone claiming to be a prospective employer.
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9th Annual Young Member Bike Rodeo
Membership Appreciation Days was kicked off with the Credit Union's 9th Annual Young Member Bike Rodeo. Over 125 young members, ranging from 2-10 years of age, enjoyed a safe atmosphere to ride their bike, free food/refreshments, and toured through emergency vehicles. This year the credit union added the Lincoln Fire Department's Fire House simulator to educate young members about fire safety and what to do incase of a fire. The Fire House simulated smoke, fire alarms, and how to escape the house in-case of a fire. "We could not have asked for a better day or attendance. This event is growing each year and we are adding another new attraction which is sure to be a hit for the 10th anniversary," said Roger Smid, Marketing Director. |
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Membership Appreciation Days
LincOne Federal Credit Union management, staff and volunteers would like to say thank you to all of the members who visited during Membership Appreciation Days! "We gave away prizes ranging from candy bars, first aid kits, and disposable cameras to free message therapy sessions and $25 gift certificates to local restaurants," said Bernie McGill, Teller Supervisor. Membership Appreciation Days is the credit union's way of saying thank you, your business is very important to us. Winners of the prize drawings: Dennis Clare, winner of the Sony Digital Camcorder; WallisAnn Blunt, winner of the Kodak Digital Camera; Jean Murphy, winner of the gift certificate to Portaits Now; and Ray Voboril, winner of the Minolta Binoculars. Congratulations to all of our winners! |
Spoil Yourself, You Deserve It!
By making your mortgage payment faithfully over the years, the equity you've established makes your
home one of your greatest assets. Use that to your advantage and spoil yourself with a new vehicle,
a vacation, home improvements, debt consolidation, or to help your child(ren) continue their
education and possibly receive a tax break.
Apply between April 1, 2005 and May 31, 2005 while the credit union is waiving closing costs*! Ask about our Home Equity Loans or Home Equity Line of Credit. You will be glad you did! |
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Financing a New or Used Vehicle?
Think of your credit union first.
Our goal is to make financing your vehicle as smooth as possible while helping you save money. Along with a great rate, you can have Guaranteed Auto Protection Insurance (GAP), Extended Warranties/Mechanical Breakdown Insurance (MBI), and Credit Life and Disability Insurance at a lower cost than at the dealer. Think of your credit union first when financing your next vehicle. Contact a Financial Service Representative today at 402.441.3555 or apply online at www.linconefcu.org. |
There's nothing worse than feeling like you are being pressured into making decisions while in
the dealership. Relieve that pressure by obtaining your financing at the credit union before
visiting the dealer. We offer very competitive rates, lower payment options, leasing and traditional
financing in a relaxing, friendly environment.
Which Mortgage is Right for Me?
When you are purchasing or refinancing your home, you will be faced with the decision of
which mortgage loan to choose. Do you want a fixed rate or a variable rate? Do you want to avoid
paying for private mortgage insurance (PMI)? Do you want a lower payment or would you like to pay less
interest overall? How long are you likely to be in this house? Considering your answers to these
questions will help to determine the best mortgage loan for you.
There are more differences between fixed rate and adjustable rate loans than meets the eye. The popular 30 year fixed rate mortgage has no surprises. Your rate is locked for the entire 30 year term and your loan will be paid in full in 30 years. An adjustable rate mortgage (ARM) sounds like it will contain more surprises, however, there are many things about an ARM that are anything but. Depending on which you choose, there can normally be a period in which the loan's interest rate is fixed and can be significantly lower than the 30 year fixed rate. When the fixed period is over, the loan's rate will adjust based on an index rate plus a margin over the index rate. When looking for an ARM, pay close attention to rate caps as well as the initial fixed rate period and you won't get any unexpected surprises.
Depending on the loan amount and the value of the home, you may be required to pay for PMI on your new loan. There are a couple of ways to avoid paying for this insurance. One way is to make a larger down payment. If you are not able to or would rather invest your savings elsewhere, you may still be able to structure your mortgage to avoid the monthly mortgage insurance premium. By taking out a first mortgage of no more than 80% of the value of the home and a second mortgage for the balance remaining you will not have to pay for PMI on the first mortgage loan. The Credit Union has a variety of second mortgage options that may work for you. There may still be limitations on how much the Credit Union can lend based on the value of the home, but it is something to consider.
If you are planning on living in the house for a short time you may want to consider an ARM that is fixed at a low rate for 5 or 7 years before it becomes adjustable. You will be paying your loan off by selling the house and you will not have to be concerned with the rate adjustment, as your loan will be paid off prior to any adjustment date. If you plan on retiring in this house or raising your family there, you may decide on a longer term fixed rate loan. We understand that you probably don't do this everyday. We know that you may have additional concerns regarding which loan to select. Our staff is here to help you in finding the mortgage that is right for you.
Wish Applying for a Mortgage was Faster and Easier?
Now It Is!
LINCONE Federal Credit Union and our partner, Centennial Lending, are excited to introduce our new mortgage website. This new site allows members to apply for residential mortgage loans online and in most cases (except VA and FHA) receive online instant approval. In addition, you can check rates, sign-up for e-mail rate updates, research loan programs, calculate payments and even check existing mortgage account information. The site also features a list of frequently asked questions and a glossary of terms to give you answers about loans, rates and fees.
LINCONE and Centennial Lending want to provide members with the best service available.
Our online application will provide you with a large variety of loan options ranging from fixed and adjustable rate mortgages to short-term and balloon mortgages. With more options to choose from, you can get the right loan to fit your needs. You can apply for a loan quickly and easily from the convenience of your own home or office anytime - day or night. And to make the deal even sweeter you can get instant free pre-approval. This will save you time and allow you to shop for your next home knowing what you can afford.
Although this site offers explanations of each program and product, if you still have any questions or need some advice, you can always call or email Centennial Lending.
For more information, go to LINCONEs website, visit www.centennial-lending.com, or call Centennial Lending at 866-588-1100.
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Prevents NSF returned checks
Prevents merchant returned check charges
Prevents collection agency fees and damage to your good reputation
LINCONE Federal Credit Union offers Courtesy Pay, a new member service that protects your account. We require no applications or additional signatures. Courtesy Pay is simply a way for us to provide a higher level of service to our members by helping to protect your account and reputation when an inadvertent overdraft occurs.
Visit or contact the credit union and ask about Courtesy Pay today
Because the last thing you
want to worry about is a
bounced check.
ANNUAL MEETING NOTICE
The 49th Annual Meeting of Membership of LINCONE Federal Credit Union has been scheduled for Thursday, April 14, 2005. The Annual Meeting will be held at the County Inn and Suites located on 5353 North 27th Street from 6:30pm to Approx 8:00pm.
Social hour begins at 6:30pm with the business meeting immediate following at 7:30pm. A cash bar along with hors dhoeuvres will be provided during social hour. Admission is FREE of charge, but please contact the credit union at 402.441.3555 to make your reservations.
The enclosed Election Procedures notice introduces the nominees for three (3) positions as presented by the nominating committee. Other members may be nominated by having a nomination petition signed by 75 members (1%) and returned to either credit union location by Feb. 25, 2005. Petitions are available at the credit union home office located at 4638 W Street, Lincoln, NE 68503.
Ballot boxes will be available prior to the Annual Meeting, according to the schedule on the enclosed Election Procedures notice.
49th Annual Meeting of Membership
Thursday, April 14, 2005 at the Country Inn & Suites
5353 North 27th from 6:30pm to 8:00pm
Please RSVP to the credit union by Tuesday, April 12th. 402.441.3555
We have the Tax Solution for you!
E-filing your taxes is the fastest, most accurate way to go!
Do your taxes the easy way!
Go to our website, www.linconefcu.org, and click on the Turbo Tax for the Web link.
Its as easy as 1-2-3
1. Guides you through your return step-by-step.
2. Double-checks your return for accuracy.
3. Files your return electronically.
The Turbo Tax link will be available on the credit union web site January 14, 2005. It is updated with the new tax law changes to help you get every deduction and tax savings you deserve.
Have your tax refund directly deposited into your account and receive your refund in as little as 7-12 days.
Visit our Website today! www.linconefcu.org
Fast & Accurate Ways to File Your Taxes
Your credit union is partnering with Tax Refund Express to offer the E-file Tax Packet Program beginning January 14, 2005. The tax packet program has many great features. The most paramount of these features is the Audit Service provided by the tax professionals at Tax Refund Express. Once you complete your tax return and send it, Tax Refund Express will enter it into a professional IRS approved tax software and then give it a complete review by a tax specialist before electronically filing it with the IRS. This process validates your return and helps ensure it for accuracy before the IRS receives it.
However, thats not all...this tax packet program also gives you a faster refund. Select Direct Deposit and you can expect your refund to be in your credit union account, after acknowledgement by the IRS, in as little as 7-12 days, compared to the traditional waiting period of 6-8 weeks when you mail your tax return directly to the IRS.
Tax Refund Express is an industry leader and has a solid history of professional tax filings. The audit review process conducted by Tax Refund Express resulted in taxpayers receiving over 1.2 million dollars collectively in increased refunds. That might be you! The process is quick and easy. Here is what you do:
1) Visit either credit union location and pick up a tax packet. If you filed your taxes electronically with the credit union last year, you will automatically receive a packet in the mail the first or second week of January.2) Complete your tax return along with some brief documents from the tax packet.
3) Mail your tax return and documents to Tax Refund Express (Overnight mail service available from the credit union lobby).
4) Look for your direct deposit refund in your credit union account in as little as 7-12 days.
5) Fees ($35 Federal tax return, $15 State) are deducted out of your account by preauthorized debit at approximately the same time your tax refund is credited to your account.
CMN Fundraisers
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LINCONE Federal Credit Union is a proud supporter and fundraiser for the Credit Unions for Kids campaign which benefits Childrens Miracle Network (CMN) and Childrens Hospital. In 2004 The Nebraska Credit Union League once again recognized and awarded your credit union for fundraising efforts. This year the credit union received the Credit Unions for Kids Bronze Award. The award recognized the effort and commitment made by the credit union and our members.
The credit union raised $800 from fundraisers in 2004. The fundraisers included paper balloon sales, ice cream sales, candy bar sales, Younkers community day coupon sales, and letters from Santa. (100% of the proceeds benefits CMN and Childrens Hospital in Omaha, NE. ) The credit union has been recognized for fundraising for three consecutive years. The awards include Gold (2002), Silver (2003), Bronze (2004).
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| Thank you to our members who have donated or participated in the 2004 credit union fundraisers. We look forward to another year of fun and exciting fundraisers in 2005. Please watch for details. | |
The holidays are gone, but...
...are your holiday expenses starting to stack up? Join a number of members who are contacting the credit union to consolidate debt and enjoy our great low rates on Home Equity Loans or a Home Equity Line of Credit.
Eliminate your high interest credit cards and contact the credit union to apply today! |
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Rates As Low As: Home Equity Fixed Rate 80% LTV 5.75%APRHome Equity Line of Credit 80% LTV 5.25%Rates subject to change without notice. Rates current as of 01/01/05. |
Partnership proves valuable to members
A number of members have taken advantage of the credit unions partnership with Mark Steinberger for financial planning. He has been able to assist members with their family protection needs to ensure their financial goals are being met for the future.
These members have looked to Mark for investment options for retirement rollovers, IRAs and Roth IRAs, investment information, and have taken advantage of the wide range of investment products available.
These same members have also benefited from just using Mark as a resource to help them with understanding their 401k statement, investments and insurance plans at no cost or obligation.
Your credit union encourages you to take advantage of the credit unions partnership with Mark and his expertise for your financial planning.
You can contact Mark Steinberger at 402.467.5595.
Petition Drive
We salute our more than 1,600 members that helped send a message to our federal lawmakers by signing the Credit Unions Petition to Congress. The petitions, supporting the retention of credit unions not-for-profit, tax-exempt status, and recognizing the unique structure and role of credit unions, will be delivered to Congress as they return to Washington, D.C. for the next law-making session.
The overwhelming member response to this petition demonstrates the value members place on preserving the credit union option, said President Jerry Barnett. As the banking associations increase their efforts to control credit unions, educating our elected officials will become increasingly important. This number of signatures will make great strides in getting their attention.
4 Scholarships Totaling $3,000...entries by April 11.
LINCONE Federal Credit Union is participating in the 2005 Lincoln Chapter of Credit Unions Higher Education Scholarship Contest.
The scholarship contest is open to credit union members who are high school seniors and college or trade school students who will be either full or part-time students for the 2005/2006 academic year.
To enter, participants must submit an essay explaining Why consumers should have a choice in belonging to a credit union, in 500 words or less.
The scholarship contest will recognize the top four (4) contestants with scholarships to be made payable to the school on behalf of the winners.
Contact or visit the credit union for a copy of scholarship rules and guidelines. Entries must be received by April 11, 2005.
Good luck to all of our members who participate in this years Lincoln Chapter of Credit Unions Scholarship Contest!
Star City Stocking Stuffer Program
Once again your credit union participated in the Star City Stocking Stuffer Program benefiting the Lincoln Action Program. The credit union collected toys and gifts for children and teens in our community through December 15th. The response was overwhelming and the credit union would like to say thank you to all the members who donated gifts. The generous support made dreams come true during this time of giving.
Thank you, |
WELCOME
Dorsey Credit Union Members!
The Lincoln Goodyear Employees Federal Credit Union management, staff and
volunteers welcomes our new members from Dorsey Laboratories Federal Credit
Union!
The Dorsey Laboratories Federal Credit Union merged with the Lincoln Goodyear
Employees Federal Credit Union on August 1, 2004! When the merger was complete
over 850 new members joined the Lincoln Goodyear Employees Federal Credit
Union family.
DLFCU had $2.3 million in assets prior to the merger and offered a share
savings account, new/used vehicle loans, and a home equity loan. The merger
resulted in a stronger credit union with nearly $40 million in assets with a
full array of products available to it's more than 7,500 members!
"We have enjoyed meeting many
of the members and looking
forward to building a long term
financial relationship," said Mary
Sailors VP of Operations.
"We're excited to welcome the former DLFCU members as owners in our
full-service credit union," said Jerry Barnett, President. "They now have
access to all our products and the additional assets will allow us to develop
new products beneficial to all members," Barnett added.
Absolutely FREE Checking
What's better than FREE? FREE with value!
Open a credit union checking account absolutely FREE! There are NO service charges or minimum balance charges and you'll enjoy unlimited check writing. Other valued benefits include:
- FREE Check/ATM Card
- FREE On-Line Account Access
- FREE Audio Response Access
- FREE Electronic Statements
- FREE Unlimited Point of Sale Transactions
- 19 FREE ATM Locations
- FREE OVERDRAFT PROTECTION (with approved credit)
- First 50 Checks FREE
For more information to open your account, contact the credit union at (402) 441-3555 / (888) 790-7261!
CONGRATULATIONS!
Member Wins Extended Warranty From Credit Union
Congratulations to Billy H, the winner of our 'Gotcha Covered' promotion featuring a FREE extended warranty package from the credit union. He chose a 3 year Easy Street Factory Type Extended Warranty (best coverage available) for his 2001 Ford F150!
Our complete lines of coverages are designed to keep your vehicle on the road. Even the most reliable vehicle can develop a mechanical problem. That is why members are turning to the credit union for extended warranty packages, which are cheaper than the dealers.
The credit union offers three different levels of coverage:
First Street (drivetrain coverage)
Main Street (deluxe coverage)
Easy Street (factory type coverage)
Contact the credit union TODAY to find out more about our extended warranties!
Mechanical Breakdown Insurance
Your credit union has partnered with Route 66 Warranty to offer extended warranty coverage on vehicles. The complete line of coverages is designed to keep your vehicle on the road. Even the most reliable vehicle can develop a mechanical problem, that's why so many members depend on the credit union and Route 66.
No matter where you travel in the United States, Route 66 can protect you against major mechanical expenses, and there is NO DEDUCTIBLE on covered parts and labor.
Level of Coverage include:
- DRIVE TRAIN COVERAGE
- DELUXE COVERAGE
- FACTORY TYPE COVERAGE
ALL plans come with 24 hour/7 days a week Emergency Road Service!
- TOWING
- FLAT TIRE ASSISTANCE
- BATTERY JUMPSTARTING
- LOCK-OUT SERVICE
- CONCIERGE SERVICE
- MINOR ADJUSTMENTS
Complete terms and provisions are contained within each Service Agreement. Please contact a Financial Service Representative today for additional information.
Will your insurance pay off your loan if your vehicle is totaled...?
Most people believe that if their vehicle is totaled or stolen, their primary insurance will pay off their loan or lease balance. Think Again!
If your vehicle is totaled or stolen, your primary insurance carrier will usually pay only the actual cash value less your deductible. This amount could be substantially lower than your loan or lease balance.
The final result is a financial GAP where you must pay the difference between your loan or lease balance and your insurance settlement, which could mean thousands of dollars out of your pocket.
That is why many members have chosen GAP (Guaranteed Auto Protection). GAP coverage eliminates the out-of-pocket expense you would incur to pay off your loan or lease should your vehicle be stolen or totaled.
Learn more about GAP (Guaranteed Auto Protection) by contacting a Credit Union Financial Service Representative today!
Get GAP...It Pays!
CREDIT LIFE AND DISABILITY INSURANCE
When applying for a loan, consider credit life or credit disability insurance through your credit union. This valuable protection gives you a convenient and affordable way to keep your loan repayment promises in the event of the unexpected.
While credit life will pay off your insured loan balance in the event of death, credit disability assists you in paying your monthly loan payment while you are temporarily disabled by sickness or accident. Protect your financial security for you and your family, and protect your collateral and credit rating by choosing credit life and credit disability insurance on your next credit union loan.
Ask a Financial Service Representative how you can enroll for credit life or credit disability insurance...Because you have enough to worry about!
Credit Life insurance is voluntary and not required in order to obtain a loan.
The insurance product is not insured by the Government or the NCUA.
The insurance product is not guaranteed by Lincoln Goodyear Employees FCU.
"Thank You for keeping in touch with your credit union."
The Lincoln Goodyear Employees Federal Credit Union Management, Staff and Volunteers would like to say thank you to all of the members who visited during Membership Appreciation Days. Membership Appreciation Days was held on Thursday, June 17th, and Friday, June 18th at both credit union locations!
"We enjoyed the large number of members that visited the credit union and won prizes. We look forward to this event every year," said Mary Sailors, VP of Operations.
Membership Appreciation Days is the credit union's way of saying thank you for your business and loyalty through the years!
What Is Estate Planning?
Estate planning is the process of arranging assets in a manner that helps to meet lifetime financial objectives, and simultaneously helps provide for survivors' needs and the disposition of property at death. A carefully implemented estate plan can help to:
- Create and conserve assets during life
- Minimize death taxes and estate settlement costs
- Assure that cash is available to pay unavoidable death taxes and costs
- Provide an orderly distribution of assets that meets the estate owner's
- Provide peace of mind and family harmony.
To learn more about estate planning, contact Mark Steinberger today!
Mark Steinberger, Registered Representative: Securities offered through Ameritas Investment Corp. (AIC). Member NASD, SIPC. 6355 South 56th Street; Lincoln, NE 402/423.4022
Reach Your Financial Goals
Mark Steinberger is a financial management professional who can help you achieve financial security. He provides credit union
members with a variety of investment and insurance products. However, it often seems that saving money alone may not meet
everyone's future needs. Mark can outline a sensible program that combines savings, life insurance and investments. What better
opportunity than the new year to reflect on your 2003 finances and plan a sound financial strategy for 2004?
Mark has over 20 years of financial planning experience, 2 of which have been with the Lincoln Goodyear Employees Federal
Credit Union. Members who have worked with Mark praise his professional assistance, quality financial products and
dependable advice.
Mark can work
with you to create a personal financial blueprint to achieve your goals and provide you with a wide range of financial
management options. Whether you're single, just married or ready to retire, Mark can be of assistance to you. "I enjoy visiting
with members and help them plan for their future. I am not a suit and tie person. I am a type of person that will roll up my
sleeves and go to work. I want to help members plan for the future but also have fun doing it," said Mark Steinberger.
"Mark has been a wonderful addition to the credit union, and he consistently finds the product or service that is in the best
interest of our members," said Mary Sailors VP of Operations.
Financial management is key to your economic stability and long-term prosperity. It can boost your lifestyle, assist you in
reaching your goals and put you in greater financial control. To find out how Mark Steinberger can help you, contact the credit
union at (402) 441-3555 or call Mark's office at (402) 467-5595.
INDIVIDUAL RETIREMENT ACCOUNTS
You can never plan too early...
Are you planning ahead to secure your financial future? You can never plan too early. The sooner you start the more your
money multiplies. Whether you are just beginning your career, supporting a family, or on your way to retirement, saving with a
reliable IRA could pay off big.
Last year, the $2,000 annual maximum IRA contribution increased and will continue to increase until it reaches $5,000 in tax
year 2008. Plus taxpayers age 50 and over are entitled to make additional catch-up contributions.
Ask us how you can secure your future with one of our IRA products.
TRADITIONAL IRA - Offers tax-deferred growth as well as contributions that may be tax-deductible.
ROTH IRA - It's the fast growing favorite of the IRAs. Plus, if you are looking to buy a home for the first time, this is the
plan for you! It allows tax-free earning on qualified withdrawals.
EDUCATION IRA - The cost of school continues to rise. Start saving for your child now and get a break with the Education IRA
to pay for qualified school expenses.
Start your savings/investment account today and build your nest egg for a secure financial future. Contact or visit the credit
union today and open your IRA account. You will be glad you did.
(402) 441-3555 / (888) 790-7261
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2 GREAT WAYS TO FILE YOUR TAXES ELECTRONICALLY
Professional Tax Review helps ensure an accurate return!
This tax season, we are partnering with Tax Refund Express to offer the E-file Tax Packet Program
beginning in January of 2004. The tax packet program has many great features. The most paramount of these features is the Audit
Service provided by the tax professionals at Tax Refund Express. Once you complete your tax return and send it to them, Tax
Refund Express will enter it into a professional IRS approved tax software and then give it a complete review by a tax
specialist before electronically filing it with the IRS. This process validates your return and helps ensure it for accuracy
before the IRS receives it.
However, that's not all...this tax packet program also gives you a faster refund. Select Direct Deposit and you can expect
your refund to be in your credit union account in as little as 7-12 days. That's warp speed compared to the traditional waiting
period of 6-8 weeks when you mail your tax return directly to the IRS.
Tax Refund Express is an industry leader and has a solid history of professional tax filings. The audit review process conducted
by Tax Refund Express resulted in taxpayers receiving over 1.2 million dollars collectively in increased refunds. That might be
you! The process is quick and easy. Here is what you do:
1) Stop by either credit union location and pick up a tax packet.
2) Complete your tax return along with some brief documents from the tax packet.
3) Mail or Fax (a new option this year) your tax return and documents to Tax Refund Express (Overnight mail service available
from the credit union lobby).
4) Look for your direct deposit refund in your credit union account in as little as 7-12 days.
OR
Online Electronic Tax Filing
Your credit union is partnering with Tax Refund Express to deliver TurboTax Online Electronic Tax Filing. Visit
our Home page and click on the TurboTax for the Web link.
It is as easy as 1-2-3
1) Guides you through your return. Easy-step interview asks you simple questions and places your answers into IRS-approved
forms. TurboTax automatically performs all calculations.
2) Double-check your return for accuracy. TurboTax finds errors and overlooked deductions, and entries that could trigger
an audit.
3) File your return electronically to get your refund to your credit union account faster. Receive an IRS receipt confirming
your return has been officially filed.
WIN A FREE EXTENDED WARRANTY PACKAGE FROM YOUR CREDIT UNION!*
Finance a new or used vehicle from the Lincoln Goodyear Employees Federal Credit Union between July 9th and August 31st, and you are automatically entered to win a FREE EXTENDED WARRANTY (Warranty package up to $1,200)*!
Your credit union has you covered with excellent low rates, extended warranty packages, guaranteed auto protection, and credit life and disability insurance!
Protect yourself and save! Contact a Financial Service Representative and APPLY TODAY!
NEW VEHICLE as low as 3.50%**
USED VEHICLE as low as 4.50%**
*Offer available for a limited time and with approved credit. $5,000 new money on a new/used vehicle loan and vehicle must qualify in order to be entered into extended warranty drawing.
**Rates current as of 06/28/04 and subject to change without notice.
Your HOME is like CASH in your WALLET
Many financial advisors agree that, for HOMEOWNERS, a Home Equity Loan/Line of Credit may be the best value, and most affordable way to get cash. When some people need cash they start looking for lenders. Consider first turning to your greatest asset, your home. Chances are, you probably have a large amount of equity in your home that can be used to get a Home Equity Line of Credit or Home Equity loan from your credit union. The advantages of a Credit Union Home Equity Loan really stack up. For instance:
MANY USES
The cash you receive from a Home Equity Loan/Line of Credit can be used for home improvements, vacations, debt
consolidation, college tuition, or a new vehicle. It's up to you!
Home Equity Line (Fixed rate)
*Rates subject to change without notice.
GREAT RATES & TERMS
Home Equity Line of Credit
As Low As
*4.00% APR
As Low As
*5.00% APR
GREAT TAX ADVANTAGE
Your loan is tied to your home, so you may be able to deduct the interest you pay. Consult your tax advisor for
additional information.
CREDIT LIFE & DISABILITY INSURANCE
Low rates, great benefits, it's your cash! Open a Home Equity Loan/Line of Credit with us and you'll feel good about your
decision. It is our pleasure to assist you with your financial needs.
Protect your family from a financial burden.
Lower Payment Options Available at your Credit Union
You can save money when financing your next vehicle using your credit union and Members Only Auto Center! The credit union has programs designed especially for you!
The example on the left demonstrates how you can save. Using one of the credit union's vehicle financing programs, you get the best of both worlds; more vehicle for a lower payment.
To learn more about our popular traditional financing, leasing, Ez-Buy or Buyer's Assistance programs, contact the credit union today!
Ideas for IRA, 401(k), Pension Roll-overs
Rollovers have these advantages:
Planning Considerations
For additional information on rollovers for IRAs, 401(k), or Pensions, please contact Mark Steinberger.
Mark Steinberger
6355 South 56th Street
Lincoln, NE 68516
(402) 423-4022
Excerpt taken from Advanced Markets Online, Fall 2003 Edition
Before leaving a company or retiring, it is essential that an employee arrange the desired distribution procedure.
Withholdings can be avoided by:
If either of these arrangements are made, no tax is due and the funds can continue to generate tax-deferred earnings. However,
if the employer cuts a check for the employee's lump-sum benefit, the 20% withholding will automatically be deducted for
federal income tax purposes.
Registered Representative: Securities offered through Ameritas Investment Corp. (AIC). Member NASD, SIPC.
Home Mortgage Program Now Available at Your Credit Union
Lincoln Goodyear Employees Federal Credit Union prides itself on tailoring services to best meet the financial needs o
f our MEMBERS. Whether you are looking
to purchase your first home or to refinance or upgrade your existing home, finding a lender you can trust can be one of the
most difficult tasks you face. Lincoln Goodyear Employees Federal Credit Union is here to help make that decision easy for you.
We offer a wide variety of mortgage products and are certain that you will find one to meet your needs. Contact a Financial Service Representative and find out which option is best for you.
Refinance your mortgage with the credit union and enjoy several
benefits, including:
For more information or to apply for a Lincoln Goodyear Employees FCU mortgage, call a Financial Service Representative
today at (402) 441-3555 / (888) 790-7261!
Think of your credit union first for all of your financial needs!
A Complete Line of Financial Products & Services
Do you know about the complete line of financial products and services available through your credit union?
Whether you are saving for a rainy day or for retirement, refinancing your home or need a vacation loan, contact your credit union. It is our pleasure to assist you with your financial needs.
Not only does the credit union offer financial products and services but it also has a Personal Financial Management Consultant. Mark Steinberger provides members with professional assistance and dependable service in money management, investment planning, mutual funds, and life insurance.
It is our commitment to you, our members, to provide the products and services that will help you meet your financial objectives. The following list of the credit union's most popular products and services provides you with an idea of what the credit union can do for you. Please take advantage of these and other financial products offered through your credit union:
 Deposit Products Savings Accounts Money Market Account 3-36 month Share Certificates Club Accounts Free Checking Account Individual Retirement Accounts (IRA)Loan Products Share Secured Loans New & Used Vehicle Loans Vehicle Lease & Lower Payment Options Recreational Vehicle Loans(RV, Boat, & Motorcycles) Personal Loans Personal Line of Credit Overdraft Protection VISA Credit Card Home Mortgage Programs Home Equity Home Equity Line of CreditOther Loan Services Available Credit Life and Disability Guaranteed Auto Protection (GAP Insurance) Vehicle Extended WarrantiesElectronic Services ATM/Check/Debit Card Direct Deposit Free Online Account Access Free Audio Response (Telephone) Electronic Statements On-line loan application
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Contact the credit union today for more information on these and
many other credit union products and services. It will be our pleasure to assist you.
Your credit union...
The Place & Professionals Members Trust.
(402) 441-3555
(888) 797-7261
Annual Meeting Notice
The 48th Annual Meeting of Membership for the Lincoln Goodyear Employees Federal Credit Union will be held on Thursday, April
1st, 2004 from 6:30pm to approx. 8:00pm at the Country Inn & Suites.
From 6:30-7:30pm a cash bar with hors d'oeuvres will be provided. The business meeting and prize drawings will be held promptly at 7:30pm. Admission is free of charge, but please contact the credit union at (402) 441-3555 to make your reservation(s).
Enclosed with your December statements is the "Election Procedures" notice introduces the nominees for four positions as presented by the nominating committee. Other members may be nominated by having a nomination petition signed by 69 members and returned to either credit union location by February 19, 2004. Petitions are available at the credit union home office (4638 W Street).
Ballot boxes will be available prior to the annual meeting, according to the schedule on the enclosed "Election Procedures" notice.
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48th Annual Meeting of Membership Thursday, April 1, at the Country Inn & Suites located on 5353 North 27th Street from 6:30pm to Approx. 8:00pm. PLEASE RSVP TO THE CREDIT UNION BY TUESDAY, MARCH 30. (402) 441-3555 |
Congratulations:
$1,300 Scholarship Recipient.
Lincoln Goodyear Employees Federal Credit Union member Melanie Newell, Granddaughter of Ray Porath, was the winner of
the Lincoln Chapter of Credit Unions 2003 Credit Unions for Higher Education Scholarship Contest.
Melanie's essay touched on how she grew frustrated with banks that charged high fees and service charges and didn't receive the
personal attention she expected. She also wrote that her Grandfather Ray Porath, and long time member of the credit union since
1960, heard her frustrations and convinced her to join the credit union. "Members benefit from the credit union in many ways.
You can depend on the Credit Union and know you will get honest and truthful service," said Ray Porath.
Her Grandfather's advice really stuck with Melanie.
"The
words of "trust" and "helping people" really meant something to me," she said about her Grandfather's experience with the credit
union. She took her Grandfather's words of advice to heart and became a credit union member. Now, when she needs to conduct
financial business she looks forward to the personal service and the attention she receives. "Every time I walk in I am
greeted with a smile. Everyone is very nice and they make you feel like you are part of the credit union. I will be a
credit union member for life," Melanie said with a smile. "I hope other members continue to get their family members involved
with the credit union. It is a great place to do business," she added.
Melanie is currently a sophomore at the University of NE studying Psychology and Peace Studies. She is applying to a private Liberal Arts college in Minnesota to continue her education in Peace Studies.
In addition to her studies and work, Melanie is also very active in
the community. She takes pride in being a positive role model and is involved with the local Mentoring Program for Junior High
students.
The credit union volunteers, management and staff would like to congratulate Melanie and wish her luck in your continued
education!
Starting Early
on your Holiday Shopping?
HERE COME THE HOLIDAYS!
Are you one who likes to start shopping for the holidays early, or are you one who waits for the last minute? Which ever best
describes you, the credit union has many different options to help make your holiday shopping a breeze.
Apply for the credit union VISA Credit Card and enjoy a very low variable rate, no annual fee, and a 25 day grace period.
OR establish a low rate Signature Line of Credit. The line of credit loan is perfect for the holidays. You benefit by having a low rate, convenient cash advances and you only make payments on the amount that you use. You can also apply for the credit union VISA Card or signature line of credit on-line at www.goodyearfcu-lincoln.org.
OR ask about a VISA CHECK/ATM Card. The last minute
procrastinator can take advantage this card which replaces writing a check and can save you time going through the checkout
lines.
As you can see the credit union has many ways to help you through the holidays. Ask about these or any of our other products
and services the next time you visit or contact the credit union.
We will do our best to inform you about all the features and benefits of our products. This will allow you to decide
which product is best for you!
Your Credit Union:
Built by Generations of Tradition & Embarking on New Relations
Your credit union has proudly served members since October 5, 1955 and has built many professional and personal relationships during this time. These
strong relationships helped establish a tradition of encouraging family members to join the credit union.
There are now second and third generation members enjoying the benefits from credit union membership. "This is a sign that a
very strong tradition of loyalty and ownership has been established throughout the years," said Mary Sailors, Vice President
of Operations.
The credit union has embarked on an exciting path built by a strong foundation of tradition of loyal members. The credit
union is now open to "those who live, work, worship, or attend school in Lancaster County, NE." This is a new and exciting time
for the credit union. "Our core Goodyear employee membership will always remain very important to us and our mission remains to
help all members. Our efforts to assist members from all groups will not diminish," said Jerry Barnett, President. "This
provides the new members with the opportunities to grow and build on the strong tradition in which existing members have grown
to appreciate and take pride," said Roger Smid, Marketing Director.
Please share the credit union tradition with your family, neighbors and community! They can benefit from credit union
membership only if they know they are eligible to join. Share your experiences and enthusiasm for your credit union, and
they will thank you.
Continue to build or encourage your family members and neighbors to strengthen a tradition and share your
credit union experience.
Another Deterrent to Identity Theft!
The Lincoln Goodyear Employees Federal Credit Union is participating in a new on-line consumer protection
program: Verified by VISA.
Verified by VISA is a payer authentication program designed by VISA to enable consumers to add on-line
passwords to their existing cards to help prevent unauthorized use when making purchases over the Internet. When a consumer
clicks BUY at checkout on a participating merchant's website, a pop-up window appears that contains a personal message set up
by the consumer and a prompt for a password. The consumer enters their password and clicks SUBMIT. The consumer's identity is
confirmed and the purchase process proceeds. Verified by VISA will help card issuers and merchants reduce their exposure to
fraud losses from online transactions, as well as reduce cardholder's purchase disputes by preventing the unauthorized use of
a cardholder's card number. "Verified by VISA will help to validate consumer identity and will further help prevent the
possibility of identity theft," said Mary Sailors, Vice President of Operations.
You can enroll by clicking on this
link or you may auto-enroll when making a purchase at a participating merchant. Enrollment will be required when making
a purchase on-line at a participating merchant. A pop-up box will appear with Verified by VISA’s logo prompting you to enter
certain information from your card and then click Activate now to continue with enrollment.
THERE IS NO CHARGE FOR THE VERIFIED BY VISA PROTECTION.
Star City Stocking
Stuffers
Don't let another child wonder if their Christmas will be filled
with gifts.
Your credit union will collect toys and gifts for children and teens for the Annual Star City Stocking Stuffer Program through
December 12!
Your generous support in the past has brought happiness to hundreds of children and teens in our community. Your donation of
new unwrapped toys or gifts, can be dropped off the next time you stop by the credit union. Your donation will continue to make
many holiday dreams come true!
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