PERSONAL FINANCE MANAGEMENT

Ohio State Credit Union: Member-Owned Financial Cooperative Committed to Providing Consumer Protection

Many people find that their Cleveland area employers do not offer Cleveland area employee benefits such as health and life insurance from Cleveland Union Credit Union. If you are one of these people, make sure that you go with a reputable company that is part of the Cleveland Union Credit Union. A Cleveland area company that is a part of the Cleveland Union Credit Union is considered to be a member by many when it comes to getting the best interest rates on Cleveland area home loans. If you do have insurance from your Cleveland Union Credit Union, there are ways to lower your premiums to save money each month on your home loan. Some of these ways may even include changing the policy that you have. This is something that you will need to discuss with your Cleveland area agent.

Other options for those seeking insurance from the Cleveland area credit union are the Employee Benefit Trust or EBT. Some of the features of the EBT include having access to cash value, free checks, free transactions, online account management, reduced premiums for those who have an excellent history with their employer and some EBT credit unions will also provide the option of buying cash value or “bounced” checks. Some people will find that these are good deals because they may pay too much in premiums and then they get a bounce back rate on the checks once they become a member-owned financial cooperative commit to doing business with them. Make sure that you do plenty of research so that you will know which ones are going to best suit your situation.

If you happen to find that you are unable to locate a health, life or accident insurance plan from Cleveland Union Credit Union because you currently do not have any of these plans that you are looking for. Some individuals will go without health care insurance options just to save some money each month. Health care costs continue to go up while health insurance premiums have stayed relatively level. However, an out-of-town bank or credit union can assist you with finding affordable health care insurance that is easily managed by a financial institution. Also, if you are currently self-employed or work for a company that does not offer health care benefits, look into how the company can administer the coverage for you.

Most credit unions will require that you are a resident of Ohio. This information is required because you must show that you have a substantial income in order to be considered a member of the credit union. In some cases, you may not even be asked to verify your Ohio domicile. If you are trying to purchase health insurance through a Cleveland-based credit union, you may want to contact them to see what they require for Ohio residents. Usually the only things they will ask is your mailing address, social security number and the last five jobs that you have held. As long as you can provide this information, you should not run into any problems with obtaining an affordable policy through a Cleveland-area credit union.

Please be informed that the information contained in this article is the opinion of the author and is not intended to be used in place of, or in conjunction with, professional medical advice. For additional information or to obtain a copy of this report, you are urged to contact the appropriate agency from which you have obtained this information. In the case of an emergency or if you are in need of medical care, it is always advisable to consult with a physician. For questions regarding your health and/or questions regarding the use of this report, you are encouraged to contact the appropriate agencies from which you have obtained the information. The information contained herein is not intended to diagnose, treat, cure, or prevent any disease.

As a member of the Ohio State Credit Union, you should understand that the information contained herein is the opinion of the author and is not intended to be used in place of, or in conjunction with, professional medical advice. Please be informed that the information contained herein is not intended to be used in place of, or in conjunction with, any medical diagnosis or recommendation. When in doubt as to the reliability of any information provided by this website, you are urged to speak with your physician. This site is not intended to serve as a substitute for professional medical advice. Please consult your physician for your health care needs.

Members should be aware that the Annual Percentage Rate (APR) is not a straight forward calculation. The APR is based on the prime rate applied to your credit score and your employment history. The APR may also include fees that are unrelated to the credit account and/or score. Please be reminded that the APR is not a promise. If you choose to refinance your credit account, the interest rate will be higher. The Ohio State Credit Union is not responsible for the content or availability of links found on this website.

Ohio State Credit Union is a member-owned financial cooperative committed to building strong, vibrant communities. As one of the members of the FICO community, the Ohio State Credit Union is committed to offering credit products and services to meet the needs of its members and to work with them in creating an informed consumer base. You will be provided free access to credit counseling services that will help you identify your needs and develop a personalized debt management plan. As a member of the credit community, you have the right to register your complaint regarding any aspect of credit or debt. You can do this by filling out a consumer complaint form available online or by contacting the Ohio State Credit Union.

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