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TAX TIME GOT YOU DOWN?

Refund If you're like many Americans this year, you may have been caught off guard by not getting a tax refund, or worse yet, you got hit with a tax bill that you were NOT expecting. If you find yourself in this scenario, we want to help you here at Land of Lincoln Credit Union. Here are some ideas:

• Shop for a low-interest signature loan. This is a better option than charging to a credit card. Right now, we are offering signature loans of up to $5,000 (with 12-month repayment) with rates as low as 7.9% APR*. • Don’t put off filing to avoid paying, the sooner you pay, the better. • As a last resort, look into the IRS installment plan online. But be careful, the interest compounds daily. • After this year, start a savings fund to avoid the surprise next year.

If you’re one of the lucky ones who gets a refund, save it for next year, just in case. Call us today at 1-844-222-7788 or email us at llcu@llcu.org to set up a time to discuss. We're ready to help!

*APR – Annual Percentage Rate. Your actual APR will be determined at the time of your application and will be based on your application and credit information. APR advertised requires a credit score (FICO or similar) of 640 or better. Not all applicants will qualify for the lowest rate or the highest loan amount offered. Rates subject to change without notice. No other promotional discounts may be applied. Membership required. Direct Deposit and Automatic payment are required. Additional requirements may apply. Equal Housing Lender. Federally insured by the NCUA.


CD SPECIAL OFFERING!

Land of Lincoln Credit Union is offering great rates on two of our Certificates of Deposit (CDs). You have two great choices:

13-month CD at 2.50% APY*

or

30-month CD at 3.00% APY*

Here are the qualifications and details: *Offer good for the initial term only. CD is automatically renewed at the rate being offered at the time of renewal. The 13-month certificate will be renewed into a 12-month certificate and the 30-month certificate will be renewed into a 24-month certificate. Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. Interest is compounded daily. Penalty may be imposed for early withdrawal and could reduce earnings on the account. APY is accurate as of 2/4/19. Product offering may be withdrawn at any time. No Add-Ons. Minimum deposit required to obtain the Annual Percentage Yield (APY) shown is $10,000. Other terms and conditions may apply. See credit union for details.

Stop in or call 1-844-222-7788 to get this set up or email us if you have questions at llcu@llcu.org



MATTOON BRANCH MANAGER AWARDED AMBASSADOR OF THE YEAR

Heidi Schlabach, the branch manager of our Mattoon, IL locaiton was awarded the "AMBASSADOR OF THE YEAR" Award by the Mattoon Chamber of Commerce at the Annual Awards Dinner on Saturday, February 2nd. She was recognized by her peer Chamber Ambassadors for having an outstanding level of volunteer service to the Chamber. She is a strong advocate for small businesses in the greater Mattoon area. Heidi Photo: Heidi Schlabach with Ambassador Award



2009 TOYOTA CAMRY

2009 TOYOTA CAMRY

145,814 MILES MIN BID 4,350.00 RETAIL $7,150.00 CAN BE SEEN AT THE MOUND OFFICE BIDS WILL BE TAKEN UNTIL FEBRUARY 22, 2019 QUESTIONS CALL 217-876-8264



CEO Pledge 2019



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We are here to help our members. Sometimes that means offering grace and assistance during their times of need. If you are a Government employee that is currently affected financially by the SHUTDOWN, please call us at 1-844-222-7788. We have staff waiting by to talk to you about ways in which we can help ease the burden. Whether it is loan payment deferral, budget planning or seeking a loan, we can help.

Stop in any of our branches or call today. We are ready to help.