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CLOSED
Friday, July 3rd
in observance of:
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President Obama signed the Helping Families Save Their Homes Act into law on May 20, 2009. The law includes many provisions to help families stay in their homes, but the law also includes an extension of the $250,000 deposit insurance protection, for all credit union members of federally-insured credit unions, through 2013. The increase in the deposit insurance was first put into place last fall. The extension affects all credit union members by helping to assure every member that their deposits are safe and fully backed by the federal government.
Member accounts at federally-insured credit unions are insured up to the Standard Maximum Share Insurance Amount (SMSIA). Each member is individually insured up to $250,000 per federally-insured credit union. Joint account holders are insured up to $250,000 per joint account holder. For example, joint accounts with two account holders are insured up to $500,000. Any joint accounts are insured separately from individual accounts. Retirement accounts, like IRA and KEOGH accounts, are also insured up to $250,000 and insured separately from all other accounts.
If you have any questions about your particular situation, please contact the credit union and we will be able to answer any questions you may have about your level of insurance protection.
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 SCHOLARSHIP PROGRAM FOR OUR MEMBERS
The Latvian Cleveland Credit Union has established an undergraduate scholarship program to recognize and encourage the academic achievements, accomplishments and talents of our younger members and to assist them in obtaining a college education. This scholarship award is based upon academic merit, personal achievement and community service. You must have a cumulative grade point average of at least 2.75 to be considered for this award. The scholarship request deadline is July 15, 2009. Forms are now available in the credit union offices. If you wish to download the application, Click Here, or call the office for an application.
For further details and information please call:(216) 228-1996, or (800) 577-1996. |
America's Roller Coast
Tickets now Available!
Adult--$35.00
Good any day--(age 3 to 61 years of age and 48" or taller)
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Junior--$16.99
Good any day--(age 3 to 61 years of age and under 48" tall, or age 62 and older)
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Soak City--$23.99
Age 3 and older, 48" or taller in bare feet
Break loose from your everyday routine and ride on! Scream on one of 17 incredible coasters (more than anyplace else on Earth), blast into the sky, spin, soar and plummet. Or chill out on a real steam-powered  train or relaxing boat ride. More than 65 rides offer the ultimate in excitement and variety.
New for 2009:
Starlight Experience: Immerse yourself in a canopy of light! New this year, take a walk through a multi-sensory experience on the Frontier Trail. The starlight experience features over 1 million LED lights, music, special lighted displays and more. The Starlight Experience runs May 23 through September 6 (when the park closes at 10 pm or later) at Twilight.
Midway Fountain: Take a break and rest near the new interactive Midway Fountain, located on the Main Midway near Kiddy Kingdom. The waters will jump as you walk through this new spot for making instant memories.
Got Country: It's a toe-tappin' good time at the Red Garter Saloon with Got Country! This new show serves up some of your country favorites from yesterday and today.
Palace Theatre Live Music: Stop by the Palace Theatre in Frontiertown to see "Live Music at the Palace", a new show featuring live piano music. Make a request, celebrate a birthday or just take a break from the thrills at the Palace!
For park hours, directions or other information, please visit their website:
www.cedarpoint.com
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GEAUGA LAKE'S WILDWATER KINGDOM DISCOUNTED TICKETS
TICKETS NOW AVAILABLE
Opens Saturday, May 23rd
2009 Ticket Prices for Geauga Lake's Wildwater Kingdom are as follows:
Regular (48" or taller) Ages 3-61 $18.99
Junior/Senior (under 48" tall, over 3 year old and Seniors age 62 and older) $12.18
Wildwater Kingdom's 17 Acres Features include:
Thunder Falls-at 100 feet tall, Ohio's Tallest Waterslide Complex
Liquid lightening-a 60-foot tall, 253 foot long tornado slide
Splash Landing-Family Activity Center with tipping bucket
Coral Cove-Activity Pool
Riptide Run-1,100 foot long action river
Tidal Wave Bay- a 390,000 gallon wave pool
VIP Cabanas
Get Set to Get Wet!
www.wildwaterfun.com
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Improving your Credit Score
Having a high scredit score can mean the difference of thousands of dollars in saved interest expense compared to others with a lower score. If your credit score isn't as high as you want it to be, take control by following these tips:
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Always pay your bills on time. Your payment history represents 35% of your credit score.
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Don't close older accounts you have paid off. The positive factor for your credit score is how much available credit you have at your disposal when compared to your credit balance. Also, 15% of your credit score is based on the length of your credit history-that includes the age of your oldest account as well as the average of all your accounts.
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Don't apply for credit too frequently. Applying for too much credit too often will decrease your credit score because this is a characteristic of high credit risk groups.
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Keep your credit card balances low. If you max out your cards, it will affect your credit score negatively. The more debt you pay off, the better your score. A good rule of thumb is to keep your credit card balances below 25% of your credit limits.
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Minimize loan applications. Every time you apply for a loan, the potential lender requests your credit report for review. This can hurt your credit score. Make all loan requests within a two-week period. All the credit report lookups are bundled together as one single request-not multiple requests.
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Ask for a credit limit increase. Increasing your credit limit makes debt/credit limit ratio look better. Don't use the extra credit or you defeat the whole purpose of improving your credit score. The goal is to have as much available credit and use as little as possible.
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Remember to check for errors on your credit report. Contact the credit reporting agencies to fix any errors.
It pays to increase your credit score. It also takes discipline and dedication. It's worth it when you reach a good credit standing that allows you to qualify for loans, lower interest rates, and more.
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The ABCs of CESAs
Know a child who needs help with school expenses? Then you should know about a CESA. CESA is a Coverdell Education Savings Account, also called an ESA. As long as certain income restrictions are met, it's a great way to save for school expenses, especially college costs, because money in the acount accumulates tax-free. Plus, there are no taxes on the funds withdrawn from the account when the money is used for "qualified education expenses", as determined by the Internal Revenue Service. The beneficiary of the account must be youger than 18 or qualify as a special needs beneficiary.
The sooner you make contributions, the better. Others can add to the CESA, too so it makes a great gift. There is a limit of $2,000 per year. That means if you saved $500 in your child's CESA this year, others could contribute the remaining $1,500. Call or stop by the credit union and open your CESA today!
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Families are like fudge......
mostly sweet with a few nuts.
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Bauerfinancial, Inc., Coral Gables, Florida
has awarded
Latvian Cleveland Credit Union, Inc.
an Exceptional Performance Award
for continuously earning a five-star SUPERIOR rating for more than 40 consecutive quarters. This award recognizes the highest level of performance.
Rated five-stars since June, 1997
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We welcome new members
The Latvian Cleveland Credit Union welcomes new members and now has made joining even easier. Just download the member application form found on the left hand side of this website, and send to us your completed form along with your deposit to join.
You are eligible to join if any of the following pertain to you:
- a person of Latvian descent, who is a member of an acknowledged religious organization/church and their immediate families
- a member or employee of the American Latvian Association
- a past member of the Latvian Cleveland Credit Union or Latvian Church Credit Union, who has terminated their membership and wishes to reinstate his/her membership to the credit union
- a member of the Estonian Evangelical Church of Cleveland
The Latvian Cleveland Credit Union is a full-service credit union. Please look through our website to review the benefits that await you as a member!! We look forward to serving your needs!
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Latvian Cleveland Credit Union, Inc.
1385 Andrews Avenue
P. O. Box 770706
Lakewood, Ohio 44107
(216) 228-1996 (800) 577-1996
Fax: (216) 521-8511
E-mail: latvian@ameritech.net
Office Hours:
Monday, Tuesday, Wednesday and Friday
9:00 am - 3:00 pm
Closed:
Thursdays, Saturdays and Sundays
(Sunday hours will resume September 13th)
WELCOME  You can find all the information you need at the touch of your mouse--current rates on savings accounts, CD's and IRA accounts, loan rates, as well as all the services that we provide. You can also apply for a loan on line! Contact us via this website or e-mailing us directly at latvian@ameritech.net. We hope you find our website informative.
To see our current loan rates click here. Interested in our savings rates? click here. For a listing of all services available to you as a member click here. Applications for loans--click here.
If you are interested in a loan and would like to know your monthly payment go to the top of this page and click on the tab marked "calculators". This tab also has other interesting calculations that you may be interested in, so don't hesitate to look under this heading!!
The Latvian Cleveland Credit Union, Inc. is the largest Latvian credit union in the United States with assets exceeding $27 million. We have been awarded a 5-star, superior rating, by BauerFinancial, Inc., Coral Gables, Florida, and have been rated A five star institution since June, 1997. Five-stars is the highest rating and indicates that this credit union is one of the safest in the United States.
Callahan & Associates notes in the Credit Union Journal, that our credit union has been consistently rated in the top 10 for the "return to saver" category for all credit unions in the $20 - $50 million asset category.
To become a member of the Latvian Cleveland Credit Union, Inc. you must be:
- A person of Latvian descent, who is a member of an acknowledged religious organization/church and their immediate families
- A member or employee of the American Latvian Association
- A past member of the Latvian Cleveland Credit Union or of the Latvian Church Credit Union who has terminated and wishes to reinstate his membership to the credit union
- A member of the Estonian Evangelical Lutheran Church, Cleveland, Ohio congregation
If you are eligible for membership and wish to become a member of the Latvian Cleveland Credit Union, please click on the "Contact Us" tab at the top left-hand column of this page or call us at (216) 228-1996 or toll-free at (800) 577-1996. We look forward to having you as a new member!!!
The Latvian Cleveland Credit Union is a full-service credit union. We offer savings accounts, checking accounts, IRA accounts (Traditional, Educational, Roth, SEP), Money Market Accounts, ATM cards and many other services. Please click here for a closer look at all of the other services that are available to you as a member.
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