Clatskanie Grand Re-Opening is December 7th! See YOU There!

new-wauna-signOur Clatskanie “Financial Center” is nearly complete and we are ready to show it off!

The remodel of our 1980s Clatskanie branch is a big change, not just with the added space and modern design, but with the way our branch works. Our service style in Clatskanie is now on the cutting edge of financial service, with what is called “hip-to-hip” transactions.

To celebrate Wauna Credit Union is hosting a Grand Re-Opening Celebration. The big event happens on Wednesday, December 7th starting with an early ribbon cutting ceremony at 8:15 am with the local Chamber of Commerce, and then an open house from 10 am – 4 pm, with guided tours of our entire facility (even the secret spots) from 11 am – 2 pm.

Gina Dines 2-16The Wonderful World Of Wauna caught up with Gina Dines, the manager of our new Financial Service Center, to get some information on the changes.

“I am so excited to have the new building open for business and to be able to share it with all of our members. I love the names of the offices – Tigers and Eagles… nothing is more Clatskanie!” Gina says.

The new name “Financial Center” instead of simply a “branch” is more than just a name change, as Gina explains, it completely changes the way we do transactions. “A Financial Center is a place where when you walk in, and any of the ‘Member Consultants’ can help you with all of your financial needs.  You no longer need to make an appointment to visit with a ‘loan officer’, we are all ‘loan officers’, same with ‘new account people’. We are financial helpers and all around consultants that are able to help you understand your complete financial picture and future.”

eagles-room tigers-roomInside the new Financial Center, Wauna Credit Union has launched our new way of helping members, it’s called “hip-to-hip”. The new “hip-to-hip” service changes the way the branch works. The traditional “teller lines” are gone, replaced by a variety of pods for simple transactions, or smaller semi-private offices for new accounts and loans, but no matter which, the same person that deposits your check can also assist with account opening or other transactions that would have previously gone to a loan or Member Service Officer. Now everyone in the branch is a “Member Consultant” and all have been given vast additional training.

What exactly is “hip-to-hip”?

“Hip-to-hip concept is where the member sits next to us instead of having a desk or barrier between us.  All staff is trained in all aspects of member service from doing deposits to processing loans to setting up transfers to pay loans as well as payroll splits to pay loans directly from your direct deposit and most definitely opening up new memberships”, says Gina.

Clatskanie is a place not known for being on the cutting edge (unless we are talking about lumber), so how are members dealing with the new system and space?

Most members have commented that they love the new look, but not everyone likes change. Gina admits, one member voiced to her that they did not like the new “hip-to-hip”, she said it made them “uncomfortable”. She adds, “I feel once the members see how the open concept will allow them to be more involved, they will appreciate the changes and realize we are moving into the 21st century and becoming a flagship institution.”

outside-CFCCome and see for yourself just what is happening at Wauna Credit Union’s improved Clatskanie location, enjoy a cupcake, some cookies, take the tour, and you might even win a cash prize!

BillPay Is Now (finally) In Online Banking! Learn More…

computer hugger billpayFor nearly a year, Wauna Credit Union staffers have been hard at work collaborating with our core processor to put our BillPay service right inside our Online Banking. It sounds simple when you say it, sure, and with all the big “fintech”, aka financial technology, advances we hear about almost daily in the news, a Single Sign-On BillPay seems like small potatoes, but really, it’s not!

BillPay is an amazing service that allows users to pay bills automatically, but not just to say regular monthly bills, one time payments can use bill pay, users can pay a co-worker for lunch, or send money to a broke nephew on a road trip.

For a long time, members of Wauna Credit Union would log-in to Online Banking, and then to utilize BillPay they would have to log-in to their BillPay account. To allow BillPay to be right inside Online Banking took months of updates, negotiations, programming, and a little bit of luck. It finally launched in Mid-November – without a hitch!

Now that we have it, and we know it works, The Wonderful World Of Wauna turned to two of our BillPay experts Debi Smiley, Chief Marketing Officer, and Jennifer Kenney, Operations Support Manager, to get some answers about the service, how it has changed, and its benefits.debismiley1jenniferkenney

Would you explain the benefit of the single sign on? 

Debi Smiley: The Single Sign-On (SSO) provides two benefits, convenience and security.  It allows for a member to log into various services with the convenience of one log in.  This mitigates the need to manage a large number of passwords.  It is also a much simpler process which adds a layer of convenience to the user.  It also reduces exposure to the risks of data loss.  Users can trust going through the WCU web site.

What has changed within the new Billpay?

Jennifer Kenney: A member with who had a bill pay profile before, will have the same profile – just the access is different. Members will no longer need a second login for bill pay, the Bill Pay link will remain the same and will now open a window within the Online banking system with bill pay screens that the members will recognize.

Members will no longer need to go through the same enrollment process.  In Online banking, they will click the Bill Pay link and they will be verified and be taken to the screen to set up their payments.

What are your favorite things about using billpay? 

Debi Smiley: Again, it is all about time and cost savings.  It only takes seconds to send off a bill where it would take much more time to do it the old traditional way of writing a check, filling out the envelope, putting all the information needed in the envelope, putting the stamp on it, and placing it in the mail.  With Bill Pay, you find the company you want to pay, enter the dollar amount, click submit, verify, and you’re done.  It is quite easy and fast.  The top reasons I like Bill Pay is:

  1. Convenience & Time Savings
  2. Security
  3. I control the who, how much, and when
  4. It keeps track of everything.  The history is right there to look things up quickly when/if I need it.

What’s an interesting feature of Billpay that users may not be aware of?

Jennifer Kenney: Billpay payments can be processed from a members account electronically (ACH) or via Check. (That means if a check needs to be mailed, Billpay does it for you!)

Now that Single Sign-On is available for Billpay, and maybe you learned a bit more about the service, consider signing up. Try one or two bills to start, and if you like it, add a few more each month. Soon you’ll wonder how you ever got along without Billpay!

All Credit Card Users – Enjoy the Gift of 1.5% APR* thru Jan 2017!

Have you seem our new VISA Credit Card special? It’s our gift to you!

New & current VISA Credit Card holders are getting a great gift from Wauna CU this year! It’s a 1.5% APR* on all new purchases and balance transfers from now thru the end of January 2017.VISA-shoppingbag-Adproof-Final2Current Credit Card users: You don’t need to do anything – but use your card that is – the savings is automatic, there is nothing to sign up for.

New Credit Card applicants: Benefit from this 1.5% apr now, and starting Feb. 1, 2017, you’ll still enjoy months of our introductory rate of 2.99%!

Apply for a credit card today! https://waunafcu.org/loans/credit-cards.shtml

Calculate Your Savings: http://calcubot.com/calcubots/740

Rewards VISA users: When you use our VISA Rewards card from now until the end of January, you’ll receive DOUBLE Reward points when you shop in person, and TRIPLE Reward points when you shop online.

Do not let this amazing offer pass by!

 *APR: Annual Percentage Rate. During the special promotional period, Wauna Credit Union VISA cardholders will receive a Promotional Interest Rate of 1.50% APR for new purchases and balance transfers posted to their account through January 31, 2017. The promotional 1.50% APR will begin on the credit card transaction date(s) during the promotion period, and remain in effect through the June 27, 2017 credit card billing cycle, at which time the cardholder’s regular Credit Card Account Agreement terms will apply. As of November 14, 2016, the Wauna CU VISA credit card APR range was between 8.90% – 18.00%). Some restrictions apply. Cardholders may not transfer balances from other accounts issued by Wauna Credit Union, or any amount of debt to their account that would cause their balance to exceed the account credit limit. All business credit cards are excluded. VISA Rewards cardholders will earn Double Rewards Points for purchases conducted in person, and Triple Rewards Points for purchases conducted online through January 31, 2017. Promotion details available at waunafcu.org. Membership with Wauna Credit Union is required. This special Promotion ends January 31, 2017.

EMPLOYEE OF THE QUARTER: Megan Gillespie, Operations Guru

EOQ-Megan-circleWe have an amazing team here at Wauna Credit Union, there is no doubt about that! Our staff is dedicated to truly helping our membership and doing good work, but there are certain staff members that take that hard work and care to the extreme, and these people often become our Employee of the Quarter!

For the 4th quarter of 2016, our standout employee is Megan Gillespie!

Megan is a longtime Clatskanie resident, and has worked in a variety of positions and locations here at Wauna CU. In a tight race of great people, Megan was voted Employee of the Quarter by fellow staff members, which ought to demonstrate just how amazing she is! Megan is known throughout the organization as someone that can be counted on to assist is any instance, she has been referred to as ‘Inspector Gadget’ for her ability to make things work, and she is extremely pleasant and kind.

The Wonderful World Of Wauna caught up with this quarter’s winner to find out more about this exceptional human:

Hurray for Megan! Congratulations!

 Name: Megan Gillespie

Title: (currently) Lending Admin Assistant

How long have you worked at WCU? 9 yrs and 2 months

What do you do at Wauna CU? I assist with the back office side of lending including titles, paid off loans, claims, etc. in addition to assisting the Operations Department.

What does Operations do for the CU? Operations does all the behind-the-scenes work in conjunction with Accounting and Compliance that helps the credit union function smoothly for the membership. This includes the processing of credits and debits, assisting the front-line staff with questions and member service so they can in turn provide excellent member service to our membership.

Where are you from, what did you do before you came to work here? I’ve been in Clatskanie since 1988 and worked in food service at Hump’s before joining the Wauna family.

What is the best thing about working here? The people, hands down. What’s more awesome than a group of people who love helping others that also just happens to be right in your backyard?

What is something you do at work as far as duties that might surprise people? Processing holiday skip-a-pays.

Favorite color, why? Green, I just have always liked it.

Favorite food? Cheese.

Zodiac sign? Taurus.

What do you do when you aren’t at work? I like to travel.

What is your favorite Wauna CU product or service?  Why?

Last good movie you saw? Deepwater Horizon

Last good book you read? A Christmas Carol

Favorite musical? Why? Kinky Boots, great story/message and Cyndi Lauper wrote all the music!

 

Bill Pay moving to Single Sign-On – Now in Online Banking!

computer hugger billpay

Bill Pay is now one step easier to access!

Great News!

Beginning November 16, 2016, Bill Pay users will no longer be required to use an extra Login procedure to access the Wauna Credit Union Bill Pay service!

Instead, on that date, Bill Pay users will simply login to their personal Online Banking page — and then click the Bill Pay service option (located in the left-side menu bar).  That’s it!

Important Note:

Any “Favorites” bookmarks created in an Internet browser (to access the Bill Pay service login page) will no longer connect users to Bill Pay. Instead, simply change the bookmark to the Wauna Credit Union website address and then access Bill Pay directly through the Online Banking service.

If you have any questions or concerns, please contact Wauna Credit Union representatives during regular business hours.

 

PLEASE NOTE: We have been running tests on the new Billpay for some time, please be patient if there are any minor issues when we go live on the 16th. Thank You!

Wauna Credit Union

ALERT: Notification for Brief Service Disruption early morning November 15th & 16th

alertIconBrief Service Disruption early morning November 15th & 16th

One of our Internet service providers has announced the potential for brief disruption of their service between the hours of Midnight – 6:00 a.m. Tuesday, November 15, and Wednesday, November 16, for needed maintenance. Additional maintenance could be required for the same time period Thursday, November 17, and Friday, November 18.

If a disruption of their service should occur, the impact may cause Wauna Credit Union online and mobile services to be unavailable to members.  The vendor expects any potential disruption to be no longer than 60 minutes.

After the vendor has completed their maintenance, Wauna Credit Union online and mobile services will be restored.

Wauna Credit Union officials thank the membership for their patience and understanding during such situations.

Wauna Credit Union

NOVEMBER Statement Insert: VISA Cards & MoneyDesktop

Enjoy our November 2016  Statement Insert:
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Wauna CU VISA Credit Cards

  • Lower Interest Rates Save Money!
  • Earn More Rewards For Merchandise!
  • EMV-Chip Protected Cards for Security!
  • Balance Transfer Bonus!

It’s Time For Shopping Season!

Watch for exciting news about this Holiday Shopping Season
& our Wauna CU VISA Cards!

“Where Did My Paycheck Go?”

MoneyDesktop & MoneyMobile is here for anyone who has ever asked that question.

  • Budgeting, Spending, & Saving Help Awaits!
  • It’s free & already in your online banking!

Smart Money: Best Moves for 20-Something Investors

Investing early makes saving for retirement much easier!

When it comes to investing early in life, you likely have two things on your side: time and flexibility. Although a 2015 survey found that most millennials don’t think they’ll have enough money saved for retirement, investing is one way to help build wealth for the future. Here are some of the best investments you can make in your 20s.

Real estate

If you have enough money set aside for a down payment, consider buying a home with rentable space, so you can live in one section and rent out the rest. Any rent you receive can help cover the mortgage and other expenses; the tax benefits of homeownership are substantial, and the home’s value will likely rise over time.

However, owning property comes with added costs, such as insurance, taxes and maintenance, while related income can drop if rental space goes unoccupied. There’s also the risk that property values might decline or rise only slowly, and if you wind up with an unruly tenant, evictions can be time-consuming and expensive. Unlike selling stocks or investment funds, you might find it harder to sell a home, should that become necessary. Property ownership generally should be regarded as a long-term investment.

401(k) plans

If your employer offers a 401(k) plan, it’s a good idea to participate and see whether a Roth option is available. If it is, you can designate some or all of your contributions for a Roth 401(k), which means you forgo an immediate tax benefit, but withdrawals, including any investment gains, are generally tax-free. Younger investors are often in a better position to invest in riskier vehicles such as stocks as part of their retirement accounts, because they have more time to recoup any losses they may suffer.

Index funds, or funds that track the index of a specific financial market, are typically an easy-to-manage way for investing in the stock market. From 2005 to 2015, for example, the Standard & Poor’s 500 Index of U.S. stocks grew an average of roughly 8% per year. While past performance doesn’t indicate future returns, $5,000 invested in an S&P 500 index fund that gains 8% annually, with $60 a month added to the investment, would produce a nest egg of about $200,000 in 35 years.

Of course, there are other alternatives such as investing in individual stocks or commodity funds. As you get closer to retirement, it’s smarter to take a less-risky approach by shifting money to more conservative investments such as government bonds. (Some brokers offer mutual funds that will do the rebalancing for you, investing heavily in stocks when you’re younger and moving the money more toward bonds as you approach retirement age.)

Roth IRA

If you don’t have a Roth 401(k) option, then a Roth IRA can be another way to accumulate tax-free wealth. These come with a contribution limit of $5,500 annually, along with other income-based restrictions. These funds can be invested similarly to a 401(k).

Keep in mind that investing retirement funds can expose you to the risk of losses. If you prefer the lowest possible risk, certificates of deposit offered by banks and similar savings certificates available from credit unions are generally insured for up to $250,000 but deliver relatively low returns.

As you decide how to invest your money, remember that starting now can make a big difference in determining the amount of money you’ll end up with later on, as any retirement calculator will indicate. Assess what investments make sense for you based on the money you have and the risk you’re willing to take to give your financial future a good boost.

© Copyright 2016 NerdWallet, Inc. All Rights Reserved

Thanks to our friends at NerdWallet for this informative post.

PRESS: Committed To Coaching – Trainer creates advisers, advocates, leaders, and ambassadors among staff

Danea Press CU Magazine

(See the original article here: http://news.cuna.org/articles/111029-committed-to-coaching?platform=hootsuite)

Some people just know how to create their own destiny.

Danea Passmore, for instance, started her career with Wauna Federal Credit Union, Clatskanie, Ore., as an on-call teller.

Within a year she was promoted to full-time teller and then operations manager. Today, as vice president of training, she runs her own department.

When Passmore took on the role of part-time trainer several years ago, the management team noticed her drive, determination, and dedication.

“She was so committed to the credit union movement and our members and employees that she spent months networking and meeting with other credit union trainers and business partners, looking for the right training model,” says John Moore, chief sales officer for the $175 million asset credit union.

Under Passmore’s direction, each employee has gone through a seven-week training program on sales and service, and leaders have been trained on effective coaching.

Each new employee spends the first two weeks of employment being trained in the credit union’s culture and approach to member service.

“Wauna Federal is an amazing place to work and I love having the opportunity to train employees so they can be successful,” Passmore says. “I am honored to help our employees grow from where they are to where they want to be.”

Passmore believes in training employees to be advisers and advocates, leaders and ambassadors. She is passionate about hiring for the right attitude first, and then providing the necessary training and support.

As a result, members will stay loyal to the credit union because of its employees.

“What we do within our four walls is create a member experience,” says Moore. “But our job doesn’t end there. Our involvement within the communities we serve, where we champion the credit union difference, is equally important.

“Danea is heavily involved in supporting causes and serving as a leader in community programs,” he continues. “She has a life and light about her that drives us all to be better at what we do and who we are.”

OCTOBER STATEMENT INSERT: Call for Nominations!

October 2016 Statement Insert:

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Call For Nominations: 50th Annual Meeting Scheduled For Saturday, March 4, 2017

Wauna Credit Union announces its annual Call for Nominations for the election of members to its volunteer board of directors. Elected officials help to set the direction and the policies for our member-owned, member-directed financial institution.

Qualifying candidates must be at least 18 years of age and in good standing with the Credit Union. Candidate applications are now available at any branch, by mail (call 800-773-3236), and on our website. The deadline to submit a completed application is close of business Thursday, November 10, 2016. The By-Laws do offer a petition option; petition deadline is January 23, 2017. There will be no nominations from the floor during the 50th Annual Meeting.

If you have any questions, please contact the Board Governance Committee Chair, Chrissy Johnston, at 503-728-6124 or
by email at gcomm@waunafcu.org.

Election Information:

The next elections for open positions on the board of directors will be conducted by electronic ballot, commencing January 26, 2017, and concluding at midnight, February 26, 2017. Results from the election will be announced during our 50th Annual Meeting, scheduled for 2:00 p.m. on March 4, 2017, at the Clatskanie Cultural Center (Clatskanie, Oregon).

Is your mind on your money and your money on your mind? We can help…

BALANCE:

Balance is a Financial Education service offered for FREE to all Wauna CU members. Sign up for an account on our website and get tools to help budget, reach saving goals, and learn more about an array of financial topics – from teaching teens about money to navigating a bankruptcy.

Balance offers FREE financial counseling for our members with professional advisors, offering debt repayment advice, home purchase help, and foreclosure prevention solutions.

It’s yours FREE for being a member of Wauna Credit Union! Why? Because our ONLY mission is to provide opportunities to our members to build their financial well-being!

CardValet:

Be proactive in defending your accounts by using the CardValet app. You’ll know every time your debit card is used, and be able to turn it off when not using it!

  • CardValet allows Debit Card users to literally turn their card off & on with one click!
  • CardValet can alert you every time your Debit Card is used!
  • Control your spending by setting up dollar amount limits.
  • Set your Card automatically turn off if it’s more than a certain distance away from you!
  • For Android & Apple!

2016-ICU-Day-Principles[1]International Credit Union Day!

  • October 20, 2016
  • All Branches

Win Prizes in our Website & Facebook contest! Coloring Contest for Kids!!
Stop in any Wauna CU branch for refreshments & to learn more about the Credit Union Movement!