Independence Day
July 4th, 2009
All Offices Closed
Labor Day
Sept. 7th, 2009
All Offices Closed
Lost or Stolen VISA Card? Call one of these numbers:
Debit: 800.528.2273
Credit: 800.322.8472
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Stories as of July 3rd, 2009
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The 21 Film Project and Auto Loan Promotion is Back with Auto Loan Rates as Low as 3.75% APR!
June 1st, 2009 - It’s back! The '21 Film Project' is Land of Lincoln Credit Union’s 2nd annual film contest and auto loan promotion! Get an auto loan in June or July, and you'll be automatically entered to win a Blu-Ray player and more! Prizes in our '21 Film Project' sweepstakes include:
- (1) Blu-Ray DVD Player
- (1) $250 Shopping Spree (Gift Card)
- (1) 1-Year Subscription of Net Flix©
- (1) Home Theater System
- (1) 1-Year of Movie Tickets
Even better, auto loan rates are as low as 3.75% APR* with no payments up to 90 days! That's right. If you're thinking about a buying a new vehicle, now's the time!
And don’t miss your chance to enter a 4-minute movie in our 21 Film Project. You could win $1500 or other great prizes! It’s open to everyone, so get those cameras rolling! Click here to see the 2008 "21 Film Project Movie Contest" WINNER!
Film Contest and Official Rules (Click Here to Download)
The '21 Film Project' is your chance to submit a 4-minute film and WIN $1,500! It's easy to participate, and you do not have to be a Land of Lincoln Credit Union member to enter. Simply drop off your DVD or VHS entry at one of our branches, and your film could be shown during our '21 Film Project Awards Ceremony and Screening'! The awards show happens in August and more information will be available in July 2009. Click here to see the 2008 "21 Film Project Movie Contest" WINNER!
As far as rules for your entry, your movie can be about anything you want (i.e. drama, comedy, horror, etc.) It does not have to be about Land of Lincoln Credit Union or a commercial for Land of Lincoln Credit Union, but does have to creatively incorporate our name (Land of Lincoln Credit Union) and tagline ('Bank on Learning More') into the film. Also, make sure you complete an entry form and a signed waiver with your film. For complete contest rules, entry forms and the waiver, click here!
Prizes and awards for entries into LLCU's '21 Film Contest' include:
- Best Picture: $1,500 Grand Prize
- Best Actor: (1) Flip Digital Video Camera
- Best Direction: (1) Flip Digital Video Camera
- Best Editing: (1) Flip Digital Video Camera
- Best Use of LLCU Logo & Tagline: (1) Flip Digital Video Camera
For official rules and details about the 21 Film Contest, please click here.
Auto loan rates based on 3.15% Annual Percentage Rate. Sample monthly payment on a $10,000 loan for 36 months would be $291.47. Call or visit for details on other rates. Rates are subject to change without notice. Subject to credit approval. Membership required. If refinancing a vehicle loan, APR does not apply to current LLCU vehicle loans. LLCU is a member of the NCUA and an Equal Housing Lender. Drawing for prizes for the LLCU “21 Film Project” Promotion will occur in August 2009. Winners of this sweepstakes will be notified by telephone. No purchase necessary. Void where prohibited. One official entry per person only. Employees and immediate family members of LLCU are not eligible to enter main sweepstakes. Must be 16 years or older to win. For an official entry form or official rules for the “21 Film Project” Promotion, please send a self-addressed, stamped envelope to Land of Lincoln Credit Union, ATTN: Marketing Department, 3130 Mound Road, Decatur, IL 62526.
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Beware of an Identity Theft Scam - You're $1,000 Winner Asking for Your Personal Account Information
July 3rd, 2009 - A new identity theft scam has recently been brought to our attention. The scammers (representing themselves as Land of Lincoln Credit Union), are calling members and announcing that they have won $1,000. As part of the scam, members are asked to give sensitive account information so that the winning funds can be placed in their account. Please be aware that this is a scam and Land of Lincoln Credit Union has no such sweepstakes in place.
If you receive a call like this, please do not divulge any of your account information. As always, Land of Lincoln Credit Union WILL NEVER contact you directly requesting account information from you. If you are unsure of a phone call, please hang up and call the credit union directly at one of our locations or e-mail us at llcu@llcu.org for more information.
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Special Tax Deductions for Taxpayers Who Buy a New Vehicle in 2009!
June 12th, 2008 - Taxpayers who buy a new car or several other types of motor vehicles this year may be entitled to a special tax deduction when they file their 2009 federal tax returns next year. The tax break is part of the American Recovery and Reinvestment Act of 2009. This break is available for personal vehicle purchases. Business vehicles are eligible for additional tax deductions.
Here are 7 things you should know about this new deduction:
- State and local sales taxes paid on up to $49,500 of the purchase price of qualifying vehicles are deductible.
- Qualified motor vehicles generally include new (not used) cars, light trucks, motor homes and motorcycles.
- Purchases must occur after Feb. 16, 2009, and before Jan. 1, 2010.
- This deduction can be taken regardless of whether or not you itemize other deductions on your tax return.
- Taxpayers will claim this deduction when filing their 2009 federal income tax return next year.
- The amount of the deduction is phased out for taxpayers whose modified adjusted gross income is between $125,000 and $135,000 for individual filers and between $250,000 and $260,000 for joint filers.
- The deduction may not be taken on 2008 tax returns.
Consumers who are considering buying a new car may find that this tax incentive means there may have never been a better time to buy.
US Treasury Department Deputy Secretary Neal Wolin states, "This tax deduction not only increases support for the auto industry as it seeks to rebuild, but also puts money back into the pockets of hardworking Americans."
For more information about the sales and excise tax deduction for motor vehicle purchases visit the official IRS web site at IRS.gov. or click here.
Information and article provided by the Greater Decatur Chamber of Commerce.
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LLCU Partners with GM & Chysler to 'Invest in America' and Offer Member-Exclusive Discounts
April 7th, 2009 - Land of Lincoln Credit Union has teamed up with GM and Chrysler to help our members Invest in America. All eligible current and new credit union members have the unique opportunity to get a great discount on a new vehicle from GM and Chrysler. While the discounts vary depending on which vehicle you choose, everyone will drive away with a great deal. Depending on your choice, you could save up to thousands of dollars.
The deal gets even better when you finance your vehicle with us. Thanks to our low loan rates, your savings will quickly add up. And you’ll be doing your part to help the local economy when you buy an American-made car and finance it through us. Start driving your discount today! For more information on Invest in America, visit www.lovemycreditunion.org.
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Your Money Is Protected up to $500,000 with Land of Lincoln Credit Union, the NCUA and ESI!
October 5th, 2008 - The worsening economy and the banking fallout from the subprime lending crisis is all the media is talking about these days. Worries about recession, higher costs of living and rising unemployment rates have everyone on edge. When stalwart financial institutions like BEAR STEARNS, INDY MAC and WACHOVIA haven’t even been able to weather the storm, many of us have to be wondering - how safe is my money right now?
Recently, the federal government has attempted to step in and help the economy with a $700 billion bailout plan. One of the stipulations of this plan is to temporarily increase the federally insured dollar amount from the FDIC and NCUA from $100,000 to $250,000. As of today, the $700 billion Rescue Plan has passed. With the increase in insurance, banks, credit unions and the government can worry a little less about causing massive withdrawals from financial institutions and hopefully avoid any more economic turmoil. But, what exactly does this mean for you?
Well, in the simplest terms, it means that your money is very safe in the financial institutions in which you have chosen to hold funds. Touted by Suze Orman on the Oprah Winfrey Show recently, banks and credit unions insured by the FDIC and the NCUA protect your money and give you a little more piece of mind. Of course, how much and which funds are protected can vary depending on the types and combinations of financial products that you have. For more information, check out the FDIC’s and NCUA’s websites at www.fdic.gov and www.ncua.gov (or check out the NCUA's Share Insurance Tool Kit), respectively.
LAND LINCOLN CREDIT UNION (LLCU) offers its members the comfort of both the NCUA and private insurance (ESI). Private deposit insurance works much like the FDIC and NCUA to insure your funds. Few banks and credit unions opt to offer both of these assurances to their customers and members. This means that you are covered not just by the current $250,000 by the NCUA, but an additional $250,000 by our private deposit insurance provider ESI. That’s a total of $500,000 in coverage because of the $700 billion bailout proposal increase. It’s a 100% difference in coverage than you might see from other banks and credit unions.
For most of us, we really shouldn’t have to worry about the money that we have placed in banks and credit unions. The government and private deposit insurance companies assure you that your money is primarily safe. However, if you’re unsure about how much your financial institution covers, make sure to give them a call or check out their web site for more information. In the days when a company as reliable as FREDDY MAC can collapse, it’s better to be safe than sorry.
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Buy Your Savings Bonds On-Line Instead of Making the Trip to the Credit Union
September 29th, 2008 - Savings Bonds offer a safe investment for conservative investors! U.S. Savings Bonds are fully backed by the U.S. Treasury and are guranteed to never lose their initial investment. Plus, you don't pay state or local tax on the interest your bonds earn.
Land of Lincoln Credit Union is no longer selling U.S. Savings Bonds directly in their branches, but you can purchase them on-line by visiting www.treasurydirect.gov/ or simply click on the button below.
The site also provides current rates, specific product information, FAQs and directions for purchasing U.S. Savings Bonds and other Securities. If you have any questions, please feel free to contact us at llcu@llcu.org for more details.
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Land of Lincoln Credit Union receives dozens of requests every month from wonderful community organizations asking for sponsorships and donations. We love to help in any way that we can, but sometimes its hard to make sure that each and every request gets the attention it deserves. To help us with this, we have developed a short application for you and your organization to complete to be considered for sponsorship. We realize its an extra step, but it really does help us in getting the funds or donations that your organization needs. For the LLCU Application and Sponsorship Donation Form and our guidelines, please click here.
For any questions, please feel free to contact us at llcu@llcu.org for more information. Thanks for making it easier by helping us help you!
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Illinois License Sticker Renewals
Land of Lincoln Credit Union is no longer offering license sticker renewal at our branches for our members. However, the state of Illinois has provided an on-line site that allows you to complete everything over the internet. To visit their site and renew your license sticker, please click on the link provided below:
For any questions, please feel free to contact us at llcu@llcu.org for more information. Thanks for making it easier by helping us help you!
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