You know you want to buy a car and you really, really want the process to be smooth. You decide to get preapproved by your favorite financial institution (Linn Area Credit Union, of course).
The bonus of getting preapproved prior to heading to the lot is really just the added confidence that you are buying within your means without any pressure. When you are preapproved for a car loan through Linn Area Credit Union, that means you can spend up to an agreed upon amount on that purchase.
So you don’t buy this:
when you really can only afford this:
So you’ve been preapproved for a loan – CONGRATULATIONS! After your ears stop ringing from all the blow horns and kazoos, here is how it all shakes out once you go to buy your car:
- You go to the car lot. (Well, hello, Captain Obvious.)
- Pick out that fabulous new or new-to-you car.
- When it comes time to talk about financing, let them know that you have already been preapproved through your besties at LACU.
- Most dealers will be able to create your LACU paperwork on site, which will be uber convenient and save you time!
- Drive away in that fab car.
Of course, you can always get financed at the dealership – just make sure to let them know you’re one of our fabulous members and that you’d like to finance through us.
Not only do we care about families NOW, but also in the FUTURE! For the last few years, we have partnered with Document Destruction & Recycling Services to make our work spaces more green. We know that every little bit counts – counts A LOT, actually! Time to toot our horn and show you what Team Linn Area accomplished last year:
We may not be shredding waves in Iowa this summer, but that won’t stop us from shredding paper. Ha ha…???
15 million United States residents have their identities used fraudulently each year. Dang. That’s scary!
Document Destruction & Recycling Services (their website is here) and Linn Area Credit Union are offering a special promotion to help residents and businesses protect confidential information from identity theft.
Yes, you read that right! Just print off this coupon:
Super important note: Your coupon MUST be filled out and presented to the office staff at Document Destruction in order to redeem the FREE shredding.
With these coupons, you are able to shred an UNLIMITED QUANTITY from now until August 31, 2014. Their hours are Monday through Friday from 7:00am to 3:30pm. They are located at 4250 6th Street SW in Cedar Rapids (very close to Hawkeye Downs).
If you have any questions, feel free to email Bailey Burt at BaileyBurt@shreddingexperts.com.
Buying a house is a big deal. Big. Huuuuuuge. (Pretty Woman reference, anyone, anyone??) One of the most important steps is getting preapproved. Why? Because the last thing you want to do is go falling in love with a house that you absolutely can’t afford.
Like, I think this house is gorgeous (pool boy is included, right?), but my bank account disagrees:
To make sure you’ve got your head in the game and your eye on the right price range, the smartest thing you can do is work with a mortgage officer before you even start daydreaming on the internet. Don’t deny that you’ve been doing it, buddy! Nope, you don’t even have to have a realtor at this point. (We can help you find one if you’re not sure where to start, too!)
So it’s kind of like one of those choose your own ending books of yester-year. You have several options on ways to get preapproved:
- Give us a call at 378-0101 ext. 3. Many times we can tell you over he phone in just 10 minutes what you will be preapproved for!
- Throw on your PJs and apply online at www.LinnAreaCU.org/Mortgage – fill out as much of the app as you can. A mortgage loan officer will get back to your toute suite!
- You can stop into our Blairsferry, Marion or Edgewood Road offices and we can help you get started, face-to-beautiful-face.
Information you’ll want to have available at the time of preapproval (for you AND a co-borrower, if one will be involved): social security number, contact info, employment info, and best estimates of your income and assets.
Taaahhhhhh DAHHH! You’re preapproved! I knew you had it in ya!
Now its time to get out there are find your new home!
We are big believers in family traditions. Every year we share one of our favorite Linn Area family traditions with our community – the Balloon Glow. This well-known event is part of Freedom Festival (it’s our favorite part, but we’re a little biased!). Heck, nearly 17,000 people enjoyed it last year alone!
Yet again, we are sponsoring this family evening. Do note that it’s FREE with your Freedom Festival button and buttons can be bought at the gate. Kids age 5 and under do NOT need a button! Balloon Glow will be held Tuesday, June 20th at Brucemore. Gates open at 5:30 pm. Additional details can be found here (parking, shuttle buses, etc.).
To say that this event “is for young and old alike” may sound super cheesy, but it’s the honest to goodness truth! I remember going on one of my first dates with my now husband to Balloon Glow. I packed us a picnic basket full of yummy treats and some choice beverages and away we went for a lovely evening of music and picturesque views.
And I can’t even explain to you how much the kids LOVE this event. Whether it’s running up for their 5th Linn Area hot air balloon tattoo, grooving along to the music or ohh-ing and aww-ing over the hot air balloons, kids totally dig this family night out.
This year you’ll be entertained from 7:00-10:00 pm by the foot tapping, chair dancing, make you want to DANCE sounds of the Airwaves, an awesome local band. Ready for a taste of what sort of fun is ahead? Check out their website at www.airwavesband.com.
Don’t forget to say hi to all the familiar Linn Area faces as you come in through the entrances! We’ll be the ones putting the hot air balloon tattoos on all willing participants! Around 40 of us will be there that night – even some of our very own family members will be lending a hand, as well!
Feel free to take pics and post them to our Facebook Page or Tweet @LinnAreaCU with them.
Tell us in the comments below: What’s your favorite Balloon Glow memory?
We are ecstatic to announce that one of our very own Linn Area Credit Union members has won a $750 Warren A. Morrow Scholarship! Nicole Schrader just graduated from Linn-Mar and, we have to say, is wise beyond her years.
The Iowa Credit Union League received more than 300 applicants hoping to snag one of these coveted scholarships. Each applicant had to answer the following question:
What are the most important aspects of money management that should be taught when it comes to savings, checking, borrowing or investing for the long term? How can credit unions help you and others with financial education?
Nicole’s essay easily caught the judges’ eyes.
“When I turned 16, my parents helped me open a checking account. I have learned not only how to write out a check, but also to balance my account, track my spending, and review my statements for errors. I know I need to keep tract of my spending to ensure I do not spend more than I have in the account. High school is a good time to learn these skills, while parents are around to help. Once a student is away at college, a lack of these skills can result in money mismanagement problems like overdrafts.”
Nicole, we can’t express to you how proud you’ve made your Linn Area family! Congratulations and best of luck as you continue on your educational and financial journey -one we are excited to be part of for years and years to come!
Summer is crazy busy for families, and it’s no different for your Linn Area Credit Union family! Our motto “We Are Family” is very telling of the types of events that we have lined up for the blazing hot summer of 2014! We’ll keep you guys updated on these family friendly events right here on the blog, Facebook and Twitter – so keep your eyes peeled!
Now we KNOW that most of you have seen our colorful Linn Area Credit Union hot air balloon either soaring in the sky or as part of the Balloon Glow at Brucemore on June 24th. But did you know that our balloon is also part of Tanager Place’s Summer Fest? Indeed, it is!
Kick off your summer with a FREE family festival for Tanager Place. Join in the fun TOMORROW (Saturday, June 7th) at the 24th annual Summer Fest located at the Rockwell Collins Sports Complex (F Avenue and Collins Road NE) from 3:30 to 8:30 pm.
This event is so much fun for the whole family! With over 75 FREE activities, there’s something for everyone! Go to the General Mills Make your Own Cereal Tent or swing over to the Video Gaming Area to try your hand at some cool video games. With the support of UnityPoint Health St. Luke’s Hospitals, the first 1,000 kids will free bike helmets. Don’t forget to play a little mini-golf or check out all of the really cool collector cars! There is even an entire tent dedicated to kids’ crafts!
Saving the best for last (or so WE like to think!), the event concludes with a balloon glow. We’d LOVE it if you scoped out the Linn Area balloon and got your picture taken by it! Feel free to send the picture to us or post it to our Facebook page!
Keep your eyes open for some familiar Linn Area Credit Union faces, as many of us will be volunteering that day! We hope to see you there as we help kick off the summer of 2014!
“The main thing about Linn Area Credit Union that I have never experienced elsewhere is the fact that they look out for you like a family does. When no one else would look twice at us for that first house loan, they did, because they looked at our individual situation. That is why I will always be faithful to LACU.”
Ready to see the look of surprise from 3 amazing ladies? Join us as we meet all our Nom the Mom finalists and ultimately crown one of them our 2014 Nom the Mom!
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