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Student Loans
Financing Your Child's Education
Now is the time that you are planning for your child's college education. Did you know that we offer some types of student loans to help finance your child's education? Your child, by all means, should try to apply for as many scholarships as they can to reduce the financial burden. When you have exhausted as many avenues as you can for scholarships and need further help, here are the types of student loans that we offer.
If you have completed the FAFSA Form, the financial aid office of your college will let you know if you qualify for a subsidized (the government pays for the interest while student is in school) or an unsubsidized Guaranteed Student Loan (you are responsible for interest from the time the loan is disbursed). This is one type of Student Loan that we offer--Stafford Loan--Guaranteed Student Loan.
Another type of student loan that we offer is a PLUS Loan, where the parent takes out the loan and immediately begins repayment of the loan.
The third type of government loan that we offer is a consolidation loan. This loan consolidates all of your outstanding student loans into one loan with one payment once you graduate and begin repayment of your loan(s).
The final type of student loan that we offer should only be used when all avenues to fund your student's education have been exhausted. This is a privately funded loan through Lehman Brothers. We do not fund this loan, we only offer it as an alternative to you, our member. For further information click on the left hand side under the caption CU Student HELP. You can apply for this loan immediately!
Please call the credit union for further information at (216) 228-1996 or toll-free at (800) 577-1996.
Don't forget to apply for a college scholarship from the Latvian Cleveland Credit Union!
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PART TIME
HELP WANTED
Part time help wanted for credit union office. Must have computer experience. Duties to include: assistant to loan officer, customer service and other duties related to credit union member contact. Prior credit union or banking experience not essential. Must be willing to learn all aspects of credit union duties. Hours and days negotiable. Please send resume to credit union office:
1385 Andrews Avenue
Lakewood, Ohio 44107
Attention: Guna Foraker
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GEAUGA LAKE'S WILDWATER KINGDOM DISCOUNTED TICKETS
(not yet available)
2008 Ticket Prices for Geauga Lake's Wildwater Kingdom are as follows:
Regular (48" or taller) Ages 3-61 $18.00
Junior/Senior (under 48" tall, over 3 year old and Seniors age 62 and older) $11.95
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!
Opening day is May 24th, which will be here before you know it!
www.geaugalake.com
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TICKETS NOW AVAILABLE!
Opens May 10th
Adult--$34.00
Good any day--(age 3 to 61 years of age and 48" or taller)
Junior--$13.95
Good any day--(age 3 to 61 years of age and under 48" tall, or age 62 and older)
Soak City--$23.00
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 2008:
Skyscraper, a towering thrill ride, will debut this summer in the Challenge Park activity complex. Four riders, two on each arm, will sit in open cars with their feet dangling, on opposite ends of the propeller. The arms of the propeller quickly rotate in a clockwise or counterclockwise direction, spinning riders 16 stories into the air at speeds of up to 55 mph. At its highest point, riders will be upside down 160 feet about the ground!
also:
Planet Snoopy debuts this summer as the park's newest children's area.
For park hours, directions or other information, please visit their website:
www.cedarpoint.com  |
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 2.70 to be considered for this award. The scholarship request deadline is July 15, 2008. 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.
 We also encourage and support Garezers summer camp and high school participation. The credit union offers scholarships to attend the summer programs at Garezers. Deadline to submit applications is June 15, 2008. Click Here for application.
For further details and information please call:(216) 228-1996, or (800) 577-1996.
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Don't Fall For The Jury Duty Scam
According to the Better Business Bureau, residents in several states have been victimized by the jury duty scam. Here's how it works: A scam artist calls and says he's an officer of the local court and claims that because you've failed to report for jury duty, an arrest warrant has been issued for your arrest. Of course, you say that you never received the jury duty notification. The scam artist then asks for confidential information for "verification purposes". This information includes Social Security number, birthdate, driver's license number, and in some cases, credit card information. Most consumers will give out this information because they hear the word "warrant". Remember, a court officer would not call and ask for this type of information over the phone. Do not answer the questions, just hang up. NEVER give out your personal, confidential information when you receive a phone call.
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Shopping For A Boat? We've Got Your Loan
Thinking about buying a new or newer used boat brings to mind many choices. Should you go for speed or comfort? Motor or sail? Cabin or open cruiser? How big? In making the right choice, consider the advice of experts: Boating tends to be a social activity. So get family members, fishing or sailing buddies involved in the decision process. Determine what activites you, your family, and friends want to engage in, and then choose the type of boat that best fits those needs. Determine a monthly budget that includes loan payment, maintenance,and docking charges. Remember, boating is no fun if it puts a strain on the family's finances. When you've determined what you can afford for a monthly payment, see your credit union. We can offer you a variety of scenarios depending on the length of the loan you're comfortable with. With a pre-approved loan in hand, you can then begin to visit the dealers and boat shows and negotiate your best price. Call or stop by you credit union today for more details.
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Get Your Motor Runnin'
Were you born to be wild, even if only on the weekends? Join the club. If you haven't noticed, motorcycling isn't just for hippies and outlaws any more. Millions of middle-class and even well-to-do folks are discovering the joys of the open road. With the average cost of a touring bike now topping $18,000, motorcycling is not so much about economy any longer as it is about lifestyle. Whether you're traveling alone, or with that one special person, or with an entire caravan of fellow bikers, there is a certain feeling you get on a motorcycle that you can't experience with any other mode of transportation.
If you've been thinking about a motorcycle, there are many choices to make as to the type of bike-sport bikes, standard street bikes, motocross bikes, touring, cruiser, and vintage/collectible. Each type has its distinct pros and cons and is designed for a distinct purpose. And within those types, there are also different engine configurations to consider depending on the amount of power you'll need. Your credit union urges you to consult with as many experts and resources as you can-especially if this is going to be your first motorcycle.
And when it comes to financing your motorcycle, see your credit union. We have a variety of loan programs to fit every need and budget. So if you're ready to hit the open road, we'll help you buy the bike of your dreams at rates that are easy on your wallet.
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U. S. Credit Unions Celebrate 99th Anniversary
With credit card offers filling up the mailbox, it may hard to believe there was a time without 'easy financing". But until the 1920's, borrowing was not socially acceptable and even then, banks weren't interested in serving average consumers, forcing those with a need to borrow to turn to loan sharks. Outraged to learn of usurious interest rates, Canadian Journalist Alphonse Desjardins organized cooperative credit societies in Canada and was instrumental in organizing the first U.S. credit union. When it opened its doors in Manchester, New Hampshire in 1909, the Caisse Populaire Ste. Marie, or St. Mary's Bank as it is known today, provided the parishioners of St. Mary's Church with a place to save and borrow. From that humble start 99 years ago, thousands of credit unions now serve millions of members, who benefit from the power of cooperation. Join us as we celebrate 99 years of credit union service.
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Help the Environment
According to environmental experts, millions of ink jet and toner cartridges are thrown away each year in the United States, resulting in millions of pounds of waste in landfills. Spent cartridges can be reused between four to seven times. Many office supply stores offer discounts or free products in exchange for old cartridges. Recycle yours!!
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At age 6, children know all the questions.
At age 18, they know all the answers.
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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:
Mondays, Tuesdays, Wednesdays and Fridays
9:00 am - 3:00 pm
Sundays
9:30 am - 10:30 am
Closed:
Thursdays,
Saturdays
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 $25 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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