Congratulations, Lucinda Crutchfield!
Lucinda was recently promoted to a Loan Officer position within the credit union. Stop in and see her about an auto, HELOC or personal loan. She’s ready to serve you for all your lending needs!
Or call the credit union today.
Mark your calendars for these upcoming events:
The credit union will be closed in observance of the following holidays:
A recent flurry of calls that indicate you’ve been “pre-approved for benefits” is another fraud attempt to get your personal information.
If you receive these calls asking to verify your full name and date of birth, immediately hang up the phone.
These scammers are trying to build a data profile on you so they can apply for credit cards or services in your name. Once they fill in all the blanks, they can run up huge amounts of debt in your name.
Never share your personal information over the phone. Anytime you receive an unexpected call, ask the caller to provide a call back number. If they hesitate, it’s likely they are not reputable. Hang up, then call back at a phone number you know to be legitimate.
Use Your Equity Your Way:
Enjoy 6.5%* APR and No Closing Costs^
*Annual Percentage Rate. Interest rate is subject to change. ^No closing costs applies to first-time applicants.
Did You Know… Civic Central Credit Union offers members low-cost Traditional & Roth IRA options.
Our custodial fees are the lowest in town:
IRAs are the perfect way to diversify your retirement savings. They can also be invested in IRA CDs which offer higher dividend rates at various terms.
Taxable Income – An Inflation Response
In case you missed it, inflation has bumped up prices for food, energy, and fuel. For the 2023 Tax Filing Season, the Internal Revenue Service has made some inflation adjustments that can help.
Here’s Some That Will Affect You:
What’s Changed
Federal income tax thresholds have increased by roughly 7% by bracket.
How Does It Affect Me
These increases will allow many to stay in a lower tax bracket.
What’s Changed
Standard deductions have increased across all filing statuses.
How Does It Affect Me
– Single and Married Filing Separately: The standard deduction will increase by $900. ($13,850)
– Married Couples Filing Jointly: The standard deduction will increase by $1,800. ($27,700)
– Head of Household/Ages 65 and Up: The standard deduction will increase by $1,500. ($20,800)
Example
In 2023, a married couple filing jointly could make a maximum of $89,450 to remain in the 12% bracket, compared to $83,550 in tax year 2022.
Bottom-line:
These increases and additional credits will allow taxpayers to reduce their taxable income and keep more income in their pockets.
See all Tax Bracket Adjustments and changes at irs.gov/newsroom
Apply for Our $1,000 Scholarship
Entries must be received by Friday, April 15, 2024.
Civic Central Credit Union will once again award three $1,000 scholarships to selected student members.
Eligible Applicants:
To Enter, Submit a Typed Essay
In 500 words or less describe:
Return application by email to [email protected] or by mail:
Civic Central Credit Union
Attn: Scholarship Committee
PO Box 1828
Jefferson City, MO 65102-1828
Entries must be received by Friday, April 15, 2024.
Best High-Interest Debt
Did you know we offer a competitive VISA® product?
A VISA® from Civic Central Credit Union can increase your buying power and help you reduce higher-interest debt.
What Makes Our VISA® Better:
Learn More at goodcu.org/visa/
Consumer behaviors are changing – Online commerce is up nearly 43%.
With the increasing opportunities to spend online, the possibilities for identify theft and account fraud grow.
Here Are Five Tips to Help Keep Fraudsters at Bay: