SAVE DATE - Lubrizol Employees Credit Union

WWW.LZECU.ORG • 1ST QUARTER 2015
FLING INTO
SPRING WITH OUR
SPRING LOAN SPECIAL!
Spring is right around the corner and we could all use a
little extra cash. Whether you are getting ready to plan
your Spring Break Vacation, need extra money for tax
time or thinking about a room makeover….
We have a Spring
Loan Special that
will fling you into
Spring!
$5,000
For up to 24 months
As low as 6.25 % APR*
Borrow up to
This special won’t last long… so don’t miss out on the
opportunity to Fling into Spring with our Spring Loans!
Our friendly loan officers at LZECU are ready to serve
you. Applying has never been so easy… simply give us
a call at 1.800.477 LECU
or 281.479.6651 or even
better, you can apply
online at www.lzecu.org.
*APR = Annual Percentage Rate. Certain restrictions may apply. Rate is determined by credit score. Special rate ends March 31, 2015.
MARCH 3, 2015
SAVE
THE
DATE
2015
ANNUAL
MEETING
Annual Meetings are held to allow you – our member and
owner – to be updated on the success of the previous year
and all that is to come in the future. It is important that
each and every one of you make this meeting in order to
be in the know about YOUR credit union. We would like to
cordially invite each of you to our 2015 Annual Meeting!
MARCH 3, 2015 • 7:00PM
Deer Park Theatre & Municipal Court Buildings
1302 Center Street, Deer Park 77536
Door Prizes • Cash Drawings • Much More
We will provide refreshments and door prizes for all to
enjoy. Members will have a chance to enter their name into
a drawing for special giveaways. We look forward to seeing
you there!
PAY YOURSELF
INSTEAD OF PAYING
THE GOVERNMENT
WITH A TRADITIONAL IRA
Contributing to a traditional IRA
may be tax deductible and has a
chance of turning your tax payment
into a tax refund! Some of the items
that determine eligibility are tax
filing status, modified adjusted
gross income, and employersponsored retirement plans. Talk to your financial advisor to
see if this is the option for you or stop by the credit union
for some informational brochures. It may be your chance
for a win-win; you avoid paying your money to the
government AND you start saving for your future.
For more information
Including eligibility and contribution limits
or for Roth IRAs contact:
MSR Charlie Riggs
281-479-6651 ex t.207
[email protected]
LUBRIZOL EMPLOYEES’
CREDIT UNION
P.O. Box 158, 205 Center Street
Deer Park, Texas 77536
281.479.6651 • Fax 281.479.3087
1.800.477.LECU • www.lzecu.org
HOURS
Lobby
Monday-Friday: 9:00 a.m. - 5:00 p.m.
Drive Thru
Monday-Thursday: 9:00 a.m. - 6:00 p.m.
Friday: 9:00 a.m. - 5:00 p.m.
ATM on Site
ATM at Lubrizol Deer Park Plant
ATM at Lubrizol Bayport Plant
BOARD OF DIRECTORS
Rich Miller, Chairman of the Board
Don Epps, Vice Chairman of the Board
Gary Aldrich, Treasurer
Danny Koons, Secretary
Brad Busby, Director
Delinda Dutton, Director
Jack Matejka, Director
DIVIDENDS DECLARED
For share accounts, LZECU Board of Directors
approved a 0.55% APY* dividend for the 4th
quarter 2014. You must maintain a minimum
daily balance of $25 to earn the APY*. Share
dividends are paid on the 1st day of each quarter.
Share draft accounts will earn 0.15% APY* for the
1st quarter 2015. You must maintain a minimum
daily balance of $300 to earn the APY*. Share
draft dividends are paid monthly on the 1st.
Individual Retirement Accounts (IRAs) will
earn 0.80% APY* for the 1st quarter 2015.
IRA dividends are paid monthly on the 1st.
*APY is Annual Percentage Yield. Dividends are calculated
on a day-in-day-out basis. Rates are subject to change
without notice. Call for our Rate & Fee Schedule.
MEMBERLINK
www.lzecu.org
HOLIDAY CLOSINGS
New Year’s Day
Thursday, January 1, 2015
Good Friday
Friday, April 3, 2015
Scan with your
smartphone to go
to www.lzecu.org
Like us on facebook
Lubrizol
Employees’ CU
Download our
FREE LZECU Mobile
Banking APP
Your savings federally insured to at least $250,000
and backed by the full faith and credit of the United States Government
NCUA
National Credit Union Administration, a U.S. Government Agency
Follow us on
Twitter LZECU
Federally Insured
by the NCUA
Don’t wait on Snail
get Direct Deposit
Mail
Expecting a tax refund this year? Don’t wait on snail mail to deliver
your check! Now is the time to take advantage of our free DIRECT
DEPOSIT! It’s fast, easy and convenient! All you need to get signed up
today is your account number and the credit unions routing number.
L
LZECU Routing #
313080610
For more details on direct deposit
or to verify your account number,
contact a friendly staff member
today at 1.800.477 LECU or
281.479.6651.
How to
(yourR E ) B U I L D
CREDIT
1 HISTORY
part
It’s a 3-digit number, but it’s
so important! We’re talking
about your credit score. In
today’s economy, having good
credit has never been more crucial.
Good credit is needed for a variety of things including buying a car, renting an
apartment, buying a home, refinancing an existing mortgage, and even getting
a job. Building or improving your credit score will take some time. However,
there are some things you can do that may give your score a quick boost.
CHECK YOUR CREDIT REPORT
You should start by checking your credit report annually to make sure you
haven’t been a victim of identity theft and to get a better idea of what to
specifically work on to raise your credit score.
It is your legal right to obtain one free credit report every year from the three
credit bureaus through annualcreditreport.com. Before entering any personal
information, make sure that you are on a secure computer (such as your personal
home computer). Check that the information on your credit report is correct. If
you find information that you believe is not correct, contact the company that
issued the account or the credit reporting company that issued the report.
GET YOUR CREDIT SCORE
Your credit score is the number that
determines your credit worthiness.
Credit scores range from 300-850.
300-599
Po o r
600-679
Ave r a g e
680 & up
Good
To find out where you stand check your score through one of the three credit
bureaus’ website for a nominal monthly or one-time fee:
• Experian.com
• Equifax.com
• Transunion.com
Look for next quarter’s newsletter for more tips on (re)building your credit.