Support Type 1 Diabetes Awareness Month

What motivates you? For WCU employee Brianna it’s helping those who suffer from Type 1 Diabetes. Those sufferers include her 8-year-old daughter. “Like most people I didn’t know anything about diabetes until I was directly impacted,” said Brianna. “When we found out my daughter was impacted, we had so many emotions going through us at once. We felt bad that she had been having all these symptoms and didn’t know what was happening, worried about the future, and guilty thinking it was something we had done.”

That’s a common misconception. Type One Diabetes has nothing to do with diet, or lifestyle, or anything else a parent or kid has done, including eating a lot of candy or juice, and unfortunately there’s no current cure. Insulin doesn’t prevent Type 1 Diabetes. An insulin pump is needed to manage blood-sugar level to keep people with diabetes alive.

Just some of the insulin pumps needed

For Brianna one of the most frustrating things is how hard it can be to manage. “It’s not a one plus one equals two situation. There are so many different factors that go into blood sugar, that my daughter can do the same thing she did the day before, and still suffer from low blood sugar,” she said.

Diabetes is a worldwide problem. There are over 422 million people with diabetes according to the World Health Organization, and it contributes directly to 1.5 million deaths a year, and that number is growing. The CDC estimates that over 21 percent of adults with diabetes don’t even realize it.

With children it can be equally as difficult. Teachers are often the first to recognize the symptoms, since they see so many children every day.

So what are the indicators? There’s many, but the common signs are:

  • Sudden strange behavior (acting “drunk”)
  • Breath that smells fruity, sweet, or like wine
  • Extreme drowsiness or lack of energy
  • Ongoing, intense thirst
  • Grunting while breathing
  • Heavy breathing
  • Huge appetite
  • Sudden vision changes
  • Sudden weight loss
  • Urinating more often (infants and toddlers may have more wet diapers than usual)
  • Difficulty breathing

November is American Diabetes Awareness Month. Visit the American Diabetes Foundation to learn more, including how you can help.

Happy International Credit Union Day

This Thursday is International Credit Union Day. From the name I bet you can figure out what that means. It’s of course the day all credit unions take the time to celebrate being a credit union, and all that it entails.

We’ve talked about how even though credit unions serve most of the same functions as a bank, however, being a not-for-profit credit union instead of a for profit bank allows us to do some pretty amazing things. Studies show people tend to get better rates and have lower fees at a credit union than at a bank (for both deposits and loans).

You know how we’re part of the community, and how our employees live local, buy local, and play local. We don’t talk about this all the time, but being a major local employer is a big deal for us.

Group of Fibre and Wauna Credit Union employees
The team of Fibre FCU and Wauna FCU teaming together to help people

One thing we don’t talk about is our partnership with other credit unions. Do you have an account at InRoads? What about Fibre/TLC? We’re glad to hear it. It’s our partnership with these organizations, as well as credit unions in Portland, Eugene, Medford, Bend, and even New York City, Tallahassee, and Madison, that allows us to shine. A 30,000-unit ATM network? We have that – which is a larger support network than most banks. Top of the line app and online banking? That too, because we partner with a 1,000 other credit unions to pool resources. The ability to collaborate with other credit unions? Absolutely! In fact, that’s really something special.

It’s completely normal for branch managers or mortgage underwriters to meet with their counterparts at another credit union to compare best practices. Our ITIN lending, we spent a lot of time with Point West Credit Union in Portland, to learn more. Before we made the decision on our new core banking system, we met with credit unions from Michigan, California, and Texas. Everybody is happy to do that, because we all have one goal: ensuring the credit union philosophy of people helping people is maximized to its fullest extent. It’s what allows a credit union of 100+ employees like WCU to have the power of 100,000 minds (and hearts). That’s the credit union philosophy, and it makes us better than any bank. We’re hiring right now, so if you want to join “people helping people,” go to our careers page.

September Statement Insert

Statement Insert page 1

Call for Board Nominations & Notice of our 55th Annual Meeting
Candidate applications are now available for our volunteer Board
of Directors. Apply by picking up an application at your local branch, by mail, or by visiting https://waunafcu.org/about/annual-elections.shtml.
Please submit your completed application by close of business
on Monday, November 8th. You are welcome to deliver applications
in person to any branch or by mail:
Governance Committee, PO Box 67, Clatskanie, OR 97016.
When: March 8, 2022 at 6pm
Where: Erlene Darby Learning Center 49249 Hwy 30 Westport, OR
(pandemic protocols may require a virtual meeting)
Questions? Contact the Board Governance Committee at
gcomm@waunafcu.org.

Member Notice
Starting December 1, 2021, we will begin closing Share Advantage accounts with a $0 balance and no usage for 60 consecutive days, which will close your WCU membership for that account. We will also close other accounts that have a $0 balance and are 365 days from last activity.

Insertar página 2
Convocatoria de nominaciones de nuestra Junta Directiva
y aviso de nuestra 55a reunión anual
Las solicitudes para candidatos ya están disponibles para esta
junta directiva voluntaria. Las solicitudes estan disponibles en su
succursal local o’por correo y tamiben visitando la website de
waunafcu.org/about/annual-elections.shtml.Envíe su solicitud, antes del cierre de operaciones el 8 de Noviembre. Personalmente o por correo en nuestras surcrsales. Lugar, PO Box 67, Clatskanie, OR 97016.
Cuándo: 8 de marzo de 2022 a las 6 pm
Dónde: Erlene Darby Learning Center 49249 Hwy 30 Westport, OR
(protocal pandemicol)
Si tiene preguntas por favor de comunicarse cone al comite de Gobierno.
gcomm@waunafcu.org.
Aviso para miembros
A partir del 1 de Diciembre del 2021,
cerrararemos cuentas “Share Advantage” con saldo de $ 0 y sin uso durante 60 días
consecutivos, y no tendra membresía con WCU. También cerraremos cuentas inactivas con unperiodo de 365 dias de inactividad.

Update on our COVID-19 Procedures

As with most things, the future can be quite unpredictable. Over the past year and a half, we’ve seen changes many of us have never experienced. Some of those changes were for our safety, others not so much. In the days and months to come, we expect precautions against the spread of COVID and its delta variant to surge as more and more cases of infection are recorded.

While your account security and access to affordable products and services continue to be our top priorities, so too is your physical safety. As such, the likelihood of business closures and even disruptions in our lobby service may occur. Though we are doing everything necessary to prepare for such instances and to avoid any disruption in how we serve you, it’s important that we forewarn of these possibilities.

Please visit waunafcu.org or give us a call at 800-773-3236 before you plan to conduct any transaction in person. Remember, we have a wide array of digital solutions for you to utilize instead of coming into a location.

Per Governor Kate Brown’s mandate, all members and staff are required to wear masks in our branch lobbies, which are open by appointment. Please stay healthy. We appreciate your patience as we all navigate these ever-uncertain times.

Robert Blumberg Signature

Robert Blumberg, CEO and President

Do You Have Enough Insurance Coverage to Rebuild Your Home?

The following post is courtesy of Cascade Crest Insurance, a subsiderary of Wauna Credit Union. CCI is a locally owned and operated independent full-service insurance agency serving all of Oregon and Washington. Whether you need insurance to cover you car, home, household, boat, business, or something else, Cascade Crest can help. Visit them at cascadecrestinsurance.com, or call 503-728-4391 to find out more.

Imagine how devastating it would be to lose your home in a fire. Now imagine not being able to rebuild it completely because you didn’t have the correct amount of insurance coverage. Selecting the proper amount of insurance coverage is the single most important decision you can make with your homeowner’s policy. This is called “insurance to value.”

Understanding the insurance coverage for a rebuild:

What is insurance to value?
Insurance to value is the relationship between the amount of coverage selected and the amount required to rebuild your home. Insuring your home for anything less than 100% insurance to value could mean you wouldn’t have enough coverage to replace your home in the event of a total loss.

Hammer

Why is the cost to rebuild different from the market value?
A home’s market value reflects current economic conditions. The cost to rebuild your home is based only on the cost of materials and labor in your area. It is important that you insure home based on its reconstruction cost, NOT its current market or even tax assessment value.

Why is reconstruction more expensive than new construction?
New-home builders typically build many homes at once and solicit bids from various sub-contractors to receive the best pricing. Their business model is based on economies of scale.

Home improvement prompt updates.
The recent stay-at-home orders have prompted many of us to look closer at our homes and provided extra time to consider home improvements. Stores have reported an uptick in buying material and shortage in the supply change which have both pushed prices up. If you got caught up in the effort to take advantage of time at home, please let us know what improvements you’ve made that could impact the need to adjust your insurance to value. 

Check out our home insurance plans and get a quote!

Credit Unions: The Better Choice

How We’re Better

The core difference between a credit union and a bank is we’re set up to serve the people who use us. That means we’re here for people, not investors. When you join the credit union, either by opening up a deposit account or by getting a loan, you become a member. With that membership you become an equal owner of the credit union. Compare that with a bank. Customers have no say in how a bank is run, instead it’s investors who hold all the power.

If you think that isn’t a big deal, look at the banks in our area. According to Nasdaq, Wells Fargo is almost 70% owned by investors. Not coincidentally, Wells Fargo announced it plans to shrink the number of branches it has from 5,400 to 4,000. That’s true for US Bank, which is nearly 75% investor owned, and has shrunk it’s branch footprint by 400 in the last year. Even local Umpqua Bank isn’t exempt. Umpqua is 89% investor owned, and announced last year a plan to close 13 – 22% of its branches to save money.

As you may guess, rural areas are hit especially hard. Less people means less opportunity to make a profit, and that means less service. These branch closures, which started during the financial crisis and have picked up steam since the current pandemic are creating banking deserts throughout rural America. That means not only is it harder to talk to somebody when you need to, but there’s a lot of evidence that simply growing up in a banking desert can negatively impact people their whole life.

Contrast that with WCU. In late 2019, we opened a branch in Forest Grove and already broke ground on a new state-of-the-art building to replace our current branch in Astoria.  Being in all these cities isn’t about the building. We’ve been rapidly expanding our online and digital capabilities to meet the needs of today’s consumers. In fact, we’d stack our digital options up against any bank. We know though, that sometimes you need to talk face-to-face with somebody, and that’s always part of our roadmap.

How We’re the Same

This part is a bit easier. Can you do it at a bank? Then you can at Wauna Credit Union too. In fact, studies show people tend to get better rates and have lower fees at a credit union than at a bank. That’s for both deposits and loans.

Can we really do everything that a bank can? Most people know about our deposit accounts, including money market and certificates. We’re known for our credit cards and vehicle loans, and people are learning how awesome our local mortgage team is for home loans, construction loans, home equity lines, and even investment loans. We have a full-service commercial lending and deposit program, and through our partnership with LPL Investments and our CUSO Cascade Crest Insurance, we can offer everything you need for your financial well-being.

Just as importantly, we employee local people from entry level to CEO. We understand the community, and we’re here. That means all decisions made are made by people who live and work here. We look at the individual, not just at numbers.

Removal of Most Covid-19 Restrictions

On June 30, 2021 Governors Brown (OR) and Insley (WA) lifted all restrictions regarding COVID-19 precautions that have been in effect since last year. OSHA has still not announced any changes, however, with the guidance from the states, we too are lifting the precautions.

This means:

  • Masks are no longer required in-branch. Anyone is welcome to continue to wear a mask should they feel more comfortable doing so.
  • We are not asking members to prove they’ve been vaccinated in order to enter the branch   
  • Vaccinated staff members have provided the necessary proof to WCU Human Resources 
  • Employees may unmask if they are 2 weeks past their final dose or are fully vaccinated otherwise
  • Employees who do not provide proof of vaccination two weeks past their final does MUST continue to wear a mask at work
  • Employees who are fully vaccinated, verified, and allowed to remove their mask may still choose to wear one

For those wishing to take increased precautions. We recommend all members use our U-Banking online and app banking, which is available 24/7, and our Video Teller Units to conduct your financial transactions and keep yourself safe. If you have questions regarding your accounts, please send us a secure message within U-Banking, or call the Virtual Branch at 800-773-3236 (Monday-Thursday 9 am – 5:30 pm, and Friday 9 am – 6 pm). In addition, our Video Teller Units are available Monday-Thursday 9 am – 5:30 pm, Friday 9 am – 6 pm, and Saturday 9 am – 3 pm)

June 2021 Monthly Statement Insert

Finance your fun for as low as 2.59% APR*

Cascade Crest Insurance may save you more! Ask for a quote.

*Qualifying loan types include motor home, travel trailer, boat, motorcycle, ATV, and watercraft.  Some restrictions apply and rates are subject to change without notice. Rates & terms offered based on applicant’s credit worthiness and term of loan. Membership with Wauna CU required. Federally insured by NCUA. Contact us by calling 800-773-3236 or visiting www.waunafcu.org.

Build Build Refinance with Wauna Credit Union
waunafcu.org, 800-773-3236, 24 7 Lending
Federally Insured by the NCUA, NMLS 421867
Equal Housing Lender

Statment Insert

Our Role in Stopping Human Trafficking

Many people don’t realize the essential role the financial services industry has in the fight against Human Trafficking. Often, the only time a trafficking victim talks to a person who can help is when they interact with frontline representatives at their credit union or bank. In addition, the type and location of financial transactions can indicate abuse, be it trafficking, elder abuse, forced labor, or something else. That is why at WCU one of our ongoing training topics is how to recognize the signs of human trafficking, and what to if an interactions raises multiple red flags.

It’s so important to continually stay up-to-date about the signs of trafficking is the ever-changing reality of the forms it takes. COVID-19 has changed many things, and how abusers prey on vulnerable victims is one of them. With more people struggling with job loss and economic insecurity, and spending more times isolated from their support groups.

That’s why we’re staying vigilant, and continuing to educate ourselves, and work with other financial institutions to recognize the signs. We ask that our members learn the indicators that somebody they interact with may be at risk, or under the influence of an abuser or trafficker.

And if you need help, call the National Human Trafficking Hotline (NHTH),1-888-373-7888 or text HELP or INFO to BeFree (233733). The NHTH is a national, toll-free hotline available to answer calls from anywhere in the country, 24 hours a day, 7 days a week, every day of the year. The NHTH is not a law enforcement or immigration authority and is operated by a nongovernmental organization funded by the Federal government.

2021 Scholarship Winners

The last year has shown us how resilient people can be, and maybe no group has been forced to change more than graduating seniors and college students. Every year we reward those hard-workers in our community, and this year, we are extra proud to award $9,750 in scholarships to nine students who have shown commitment to their studies and to the area. The winners demonstrate the great things that our young members are doing, and the great potential they have to change the future.

  • Ann Heyen (Warrenton); Ann is embarking on a future career in finance, at La Moyne College. Her ultimate goal is to open her own business and provide financial education.
  • Cade McDonald (Scappoose); Cade has already started his college career, taking dual credit classes and a class at PCC. He is planning on getting a B.S. in nursing, in an emergency or trauma setting.
  • Gabe Katon (Clatskanie); Gabe is heading to Lower Columbia College to study Psychology. He believes his time on the speech and debate team in high school helped prepare him for the future.
  • Jessica Butcher (Vernonia; Jessica is attending Portland Community College in order to get a degree in Nursing. After completing the two-year program, she plans to transfer to OHSU and earn her B.S. in Nursing.
  • Josiah Jones (Rainier); Josiah is enrolled at Northwest University, studying history and political science. He ultimately wants to return to the area to teach high school.
  • Kegan Roscoe (Astoria); Kegan is entering her sophomore year at Oregon State studying business and interior design. She ultimately wants to start her own business, and contribute back into the community.
  • Natalie Katon (Clatskanie); Natalie is off to Oregon State University, with the goal of entering the medical field. She’s excited to be working towards her degree at the same time as her dad attends a masters program. She credits her time in Leadership and track in setting her up for success.
  • Samuel Irwin (Warrenton); Sam is attending Oregon State University in the fall, and will major in biology. He wants to become a physician’s assistant, and give back to his community.
  • Shelby Blodgett (Clatskanie); Shelby will be attending Oregon Institute of Technology and studying Nuclear Medicine. She will also be continuing her athletic career, suiting up for the Owls basketball team.

The application period for Wauna Credit Union Scholarships will begin again in February 2022. The application deadline is later in the year, and winners are announced in June. All members that are high school seniors or recent high school graduates are eligible.