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Vehicle Sale

The credit union has the following vehicle for sale:

2004 Chevrolet Silverado 1500-V8

·         Extended Cab LT with 4 wheel drive

·         142,835 miles

·         Aluminum/Alloy Wheels

·         Towing/Camper Package

·         Detachable bed cover

 

PRICE:  $12,000

Contact the Credit Union for more information.

 

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Choosing a Tax Preparer

What qualifications do you legally need to prepare someone's taxes?

Unless you live in California or Oregon, none.

You read that right. Anyone can set up a desk in the local supermarket and offer tax preparation services for a fee. That's important to know, because you don't want to assume someone knows what they're doing simply because they're charging you for their services, while in reality, they could end up costing you thousands of dollars in fees, and possibly worse.

It's a good idea to have a professional prepare your taxes, especially if you've gone through a life change (marriage, divorce, etc.) received an inheritance or are self-employed. However, you need to know what to look for when shopping for a tax preparer.

If it seems safe to work with one of the large tax-preparer companies (think HR Block or Liberty) consider this: the large chain-store type of places often hire high school graduates who run though a questionnaire, virtually the same thing you can buy for about $50 at Staples or do on-line for even less. While a professional accountant will be more expensive, missing a deduction because you're working with someone who wants the seasonal employment rather than a true professional can be much, much more expensive than an accountant's fees. Before working with a large company, be sure to find out the qualifications of the person who will actually be preparing your return.

You can be sure you're working with someone who knows what they're doing by selecting a CPA (www.nsacct.org) or an 'Enrolled Agent', a federally licensed tax specialist. Since many Enrolled Agents are former IRS employees, they're knowledgeable and competent. Find one at www.natptax.com.

If your situation is relatively simple, you can prepare your own return using one of the software programs available. If not, you might want to ask trusted friends, relatives, or coworkers if there's a tax preparer they've been happy with. Nothing beats a referral from someone you know. You might want to ask the preparer what they guarantee. If there's a mistake on the tax return, will they cover penalties, fines, and interest? Some do, but some don't, so don't take it for granted that you're protected.

Also consider 'free file' if you're income eligible. Check out the IRS website for details. Low and moderate income filers can qualify for the federal VITA program that offers free assistance in filing your returns, and anyone can call the IRS for help at (800) 829-1040.

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Rates-At-A-Glance

 

 

APY** as high as…

 

 

        Share Savings 0.50%

 

 

        6 Month CD 1.15%

 

 

       36 Month CD 2.63%

 

 

 

 

Call us to find the best loan rate and loan payment amount to fit your needs.

 

 

 

 

 

 

                                               

 

 

 

 

*APR = Annual Percentage Rate

*APY = Annual Percentage Yield

Note:  Rates are subject to change at any time.  Used auto rates are subject to increase based on the age of the vehicle financed.

 

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We Do Business in Accordance With the Federal Housing Law and the Equal Credit Opportunity Act.

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