2021 Annual Meeting

Important Note about our 2021 Annual Meeting

Following the CDC’s guidance on COVID-19, our annual meeting will be fully virtual this year. Please visit this page on March 16 for information on how to attend the meeting.

What is an Annual Meeting?

Each year, Wauna Credit Union, and all Credit Unions for that matter, hold an Annual Meeting to share with our member-owners the financial status and growth of our Credit Union during the prior year.  The results of our Board Of Director elections are also announced at the event.

An Annual Report is produced each year for the Annual meeting, it offers reports from key figures at Wauna Credit Union, as well as our financials presented in a statement and graphs.

2021 Annual Meeting

When: Our 54th Annual Meeting (you’re invited!) will be held on Tuesday, March 16, 2021 at 6pm.
Where: Virtual
Questions: Contact the Board Governance Committee at gcomm@waunafcu.org

Six Factors That Could Hurt Your Credit Score

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It’s no secret that maintaining a good credit score is essential to strong financial health. It is a must if you ever wish to take out a substantial loan or need to apply for rental properties. Most people know the basics of what may hurt and what may help your credit score. For example, paying your bills on time will help your credit score, while filing for bankruptcy will hurt it. However, you may not know about a few surprising things that can hurt your score.

Here are six factors that may negatively impact your credit score:

Having unpaid municipal debts

Municipal debts, such as parking tickets and library fines, are often minor, which is why some people often forget to pay them. Unfortunately, your city government may notify the credit bureaus about these unpaid municipal debts no matter how minor they are if they go unpaid for too long. Once they do this, these debts could potentially lower your credit score.

Not having any current loans

You would think that not having any loans would be a good thing, especially if you recently paid off any loans that you did have. It means that you’re practically free of debt, after all. However, credit scoring systems reward people who have different types of accounts. This is because the debt you have doesn’t always hurt your credit. If you make regular payments on time and in full on a loan, it will help your credit. It’s not uncommon for someone paying down a loan and a credit card to have better credit than someone who is only paying down a credit card.

Not using your credit cards

People will often pay with cash whenever possible instead of using their credit cards to avoid running up their credit card debt and the high-interest rates that go along with it. However, only using cash to make purchases could end up hurting your credit instead of helping it. Credit card companies will stop reporting to credit bureaus after six months of inactivity on your card. They might also cancel your account, which would lower the amount of credit you have overall, thereby hurting your credit score. To avoid this, make minor purchases on your card monthly, and be sure to pay off your balance each month as well. Plus, you can be taking advantage of any cashback or other rewards that can save you money!

Closing your credit card accounts

If you’ve been struggling with credit card debt and have finally managed to pay off one of your cards, then you may be tempted to close it. That’s a bad idea. Closing a card will remove that line of credit from your total credit, which will increase your credit utilization. For example, if you have two credit cards, one with a balance of $1,000 out of a $2,000 limit and one completely paid off with a $2,000 credit limit. With those two cards, you have a credit utilization ratio of 25 percent ($1,000 out of $4,000). If you close the card that you paid off, you lose that credit, which means now you are using $1,000 out of a total of $2,000 in available credit, leaving you with a credit utilization ratio of 50 percent. You’re much better off leaving the account open and making small purchases paid off each month, as suggested above.

Doing anything that requires a credit inquiry

Any time a business looks into your credit history, it will generate a hard inquiry on your credit report, which will affect your credit score. While one or two inquiries overtime shouldn’t affect it by much, you must be aware of what kind of actions generate a hard inquiry. These actions include requesting a credit limit increase, applying for a loan, applying for a credit card, signing up for a cell phone plan, applying for an insurance policy, and more.

Not regularly checking your credit report

If you don’t regularly pull your credit report, you won’t know what is on there. Maybe you have some of those small municipal debts that you can quickly pay off. There could also be inaccurate or duplicate accounts that you need to have removed. If you don’t check, you won’t know what you need to do to raise your credit score. Most banks and credit reporting companies will provide you with a free credit report once per year.

Odds are you try to be diligent about maintaining good credit. Unfortunately, not everybody knows about all of the different factors that could affect your credit score. These are six surprising factors that could ding your credit if you’re not careful. Be sure to take advantage of options for receiving your credit report for free once a year, and stay on top of any adjustments you need to make to keep your credit healthy.

Did You Get a 1099-G?

A sad truth is, those who are looking to take advantage of people, or scam the system, will use all tools at their disposal, regardless of how much it hurts others. One of the ways people have been cheating the system since the pandemic started is unemployment fraud. For those who don’t remember our blog post from last May, unemployment fraud is when a scammer uses somebody else’s identity and falsely claims unemployment insurance. In many ways it’s the perfect crime. The government will usually make the first couple of payments before the claim is disputed, and the victim happily has their job, and doesn’t even know somebody has claimed to be them until it’s too late.

How late is too late? For many it’s when they receive a 1099-G and file their taxes. Unemployment income is income, and the IRS expects its cut. So what to do if there’s a 1099-G in your name when there shouldn’t be? The Internal Revenue Service (IRS) recently issued guidance for taxpayers who receive Forms 1099-G for unemployment benefits they did not actually get because of identity theft.

Taxpayers who receive an incorrect Form 1099-G for unemployment benefits they did not receive should contact the issuing state agency to request a revised Form 1099-G showing they did not receive these benefits. Taxpayers who are unable to obtain a timely, corrected form from states should still file an accurate tax return, reporting only the income they received. A corrected Form 1099-G showing zero unemployment benefits in cases of identity theft will help taxpayers avoid being hit with an unexpected federal tax bill for unreported income.  

The IRS previously issued guidance requested by states on identity theft guidance regarding unemployment compensation reporting. No Forms 1099-G should be issued to those individuals the states have identified as ID theft victims.

Why Cars From Canada Aren’t Worth the Risk

Our friendly neighbors to the north are many things, great hockey players, phenomenal makers of maple syrup, and a significant contributor to the world’s overall comedy output. One thing you should never count on Canada for though is used cars. That’s surprising to many people. After all, they’re the same cars sold stateside. What would cause Canadian cars to be such a bad investment?

As with many things, the answer boils down to multiple factors. In this case, there are three main drivers (pun intended) that lead us to recommend skipping that great deal from Canada.

Salty History

This one isn’t that surprising. It snows a lot in most of Canada, and like the Midwest, the salted roads can lead to a lot of corrosion and rust over time. This isn’t a deal breaker of course, just something to be on the lookout for. Remember, to really look at the bottom of any car or truck you buy. It’s worth it to bring it to a non-affiliated garage with a lift and plenty of light to make sure you don’t buy something with a well-hidden major problem

Carfox You Say

Many people are surprised to learn that Carfax is not as accurate on Canadian vehicles. It varies, but an (older) study found that while information from cars originating in some provinces had accurate information, but missed huge repairs from cars originating in others. Unless you have the capacity to do your own repairs, it’s not worth it to most people to take a risk on buying a vehicle that needs thousands of dollars in repairs just to save a bit of money up front.

I Don’t Recall

While the cars and trucks for sale in Canada are largely the same, there are differences. Sometimes that means you can get a trim or color not available stateside, but other times it means a part that is recalled isn’t available. There are also slight variations in the way some car companies handle recalls in different countries, which can potentially put you in an unsafe situation.

This of course doesn’t mean you should never buy a Canadian car, but it’s important to know the risks going in to it.

Warming Astoria

It’s impossible not to see the struggles of our community when visiting the Riverwalk or supporting the local stores and restaurants. The COVID-19 pandemic has hit Astoria hard, and has placed countless obstacles for many just trying to get back on their feet.

The issues with houselessness are vast and complicated. Health and safety risks pose dangerous threats to Astoria’s homeless citizens and these risks worsen during winter, when living out of a car or on the street are lethal, as temperatures drop and winds pick up.

Check presentation
Members of our staff were happy to present a check to the Astoria Warming Center

A beacon of hope exists, however, in the Astoria Warming Center. A modest organization with a huge heart, the Center provides overnight shelter during winter months. Located at the First United Methodist Church, the Center exists solely to support people in need, which includes those experiencing homelessness. Like many beacons of home, the Center relies heavily on donations to keep their doors open. This year that, reliance has increased, as the Center moves toward paid employees.
This reliance was one of the many reasons Wauna Credit Union (WCU) employees voted to support the Astoria Warming Center as the 2020 official credit union charity.
“When we were choosing our annual charity, the Astoria Warming Center was an obvious choice,” said Kristen DeForrest, a member of the WCU Operations team, and a huge supporter of the Warming Center. “Many of our employees live in Astoria and see the good work they do every day.”

Kristen has long volunteered for the Center, and knows how important the role it has in helping the people of Astoria, “We see so many folks every day who just need a little help,” she said, “just giving a warm room to sleep when the temperature starts to dip is a huge benefit.”

Kristen was recently on hand to present a check for $11,299.09 to the Astoria Warming Center’s Board Member, Annie Martin, longtime Center Coordinator, Cheryl Paul, and Kathleen Sullivan, the Center’s new Executive Director. Just shy of $12,000, the donation was raised exclusively by WCU employees.

“Thank you so much for this incredibly generous donation! It means even more that your employees chose us! Please thank your employees for us. Wow! We’re quite choked up. Thank you, Wauna Credit Union,” said Sullivan. “We couldn’t continue without such kindness from the community!”

“The Astoria Warming Center depends on our community partners in order to serve those most in need, Annie Martin added. “We are grateful to the Astoria First United Methodist Church who allows us to use their first level for the center. We also are grateful for the local restaurants who are still donating meals despite the mandated closures due to COVID-19.”

Cheryl Paul, the Center Coordinator for a number of years, said she was proud that the Astoria Warming Center offers up to 28 beds on the nights they are open, as well as offering the public showers on Wednesday afternoons from noon to 4:00PM. “It has been so important to people with nowhere else to go, to have a safe, warm place to get out of the winter weather. Thank you, WCU employees!”

Annually, WUC chooses a new corporate charity to support through employee contributions and volunteer work. For 2021, the employees chose the Amani Center in St Helens www.amanicenter.org. The Amani Center (The Columbia County Child Abuse Assessment Center) is a non-profit 501(c)3 organization created to assist our community in responding to child abuse.

Saying Thanks and Being Optimistic

December is always a good time to look back at the year passed, and look forward to the year ahead. 2020 is a year to reflect on, and while this year is definitely not one to repeat, I find myself reflecting positively on the last 11 months, and seeing promise in 2021.

If nothing else, 2020 taught us to look at what is most important, whether that be by necessity, or because of a desire to bring loved ones closer – many of us have spent more time with family and friends than ever before.

Our area has struggled since the pandemic turned everything we know upside down. Our neighbors who rely on hospitality were especially hit hard. But with that struggle, I’ve witnessed people coming together, time and again, as families, and as communities.

That is where the Credit Union comes in. We too have made changes, and I’m proud of how we’ve done it. We made sure our members and our employees had what they needed. We expanded our offerings and our hours to make it easier for people to talk to us. 
We also stayed open. 

While many banks abandoned the region, credit unions grew. That on top of everything else, is what makes me optimistic for 2021. Whether you need a place to grow your financial well-being, a loan to help keep your doors open, or something extra to buy that house you’ll entertain your grandchildren in, Wauna Credit Union is here.

Next year marks 54 years of serving you, and we’re just getting started. We hope you find joy as 2020 concludes, and we look forward to working with you in 2021.

Robert Blumberg signature
Robert Blumberg, President and CEO

December Statement Insert – Annual Election

Annual Meeting and Board Nominee Notice

Our 54th Annual Meeting (you’re invited!) will be held on March 16th at 6pm Erlene Darby Learning Center 49249 Hwy 30 Westport, OR

The Board of Directors has approved three nominees for three positions on the Board of Directors from applications submitted by members. Their names and biographical information are included below.

Chrissy Johnston, Incumbent, Scappoose I am excited for the opportunity to continue serving on the Wauna Credit Union Board of Directors. I was born and raised in Scappoose, where I still live today. I’m a mother to three school aged children and a small business owner. Prior to owning my own businesses, I worked for a major bank for 12 years and worked my way up from a teller position to management. After the birth of my son, I left the bank to work for a credit union specializing in training new employees, which gave me a clear understanding of the difference between banks and credit unions. I am passionate about the credit union movement and the credit union philosophy of “people helping people.” I feel that my background and experience allow me to serve on the Wauna Credit Union Board of Directors, with a well-rounded approach and I would be honored to continue to represent the membership.

Jennifer Teeter, Incumbent, Astoria I have served on the Wauna Board of Directors for seven years and have been elected Finance Officer for six of those years. Wauna has grown substantially, in part due to the successful collaboration between members of the board. I would like to continue to be a part of Wauna’s future successes. I am an Audit Manager for Isler CPA, working from my home in Astoria, auditing local governments and non-profits. Before moving to Astoria/Warrenton in March 2013 I worked out of Isler’s office in Eugene. I look forward to continuing to serve you as a member of your board of directors.

Dr. Michael R Hoag, Scappoose I attended Scappoose schools, graduating in 1969. I attended Oregon College of Education (Western Oregon University now) and University of Oregon School of Dentistry ( OHSU ), graduating in 1976. I practiced general dentistry in Scappoose from 1976 until 1988. I then joined OHSU School of Dentistry in 1990 and retired from OHSU in 2010. While at OHSU, I worked in the Department of Restorative Dentistry as an Assistant Professor in the Department of Removable Prosthetics. I also worked in the Department of Behavioral Sciences as an instructor for Preventative Dentistry and as an instructor for Dental Hygiene in Dental Anatomy. For the Scappoose School District, I was an assistant girls basketball coach from 1978-1981 and 2000-2002, Varsity Girls Basketball Coach from 1982-1997. Varsity Softball Coach from 1996-2006. I also held various assistant coach positions in football, baseball and softball during my time there. I am currently an assistant softball coach. I have held leadership positions in the Scappoose Booster Club. I held a board position for Oregon Dental Service (Mada Health) from 1977-1980. I held the president position in the Scappoose Alumni Association from 2000-2010 and presided over two All School Reunions (2005, 2010). I volunteered as a softball coach, baseball coach, umpire and officer for Scappoose Little League for many years. I held a board position for six years in the Portland Softball Umpire’s Association. I officiated in two State 6A Softball Championship games (2011 and 2018) and was honored with the State of Oregon Softball Umpire of the Year in 2018. I was an ASA National Championship Umpire in 2012 for the 23U National Tournament. I have served on the Wauna Credit Union Supervisory Committee since 2016 and have been the chair for the past three years. I continue to be active in my community through working with our youth and alumni associations. I am currently assisting the Scappoose 100 year celebration committee in planning the City of Scappoose’s Centennial Celebration to be held in the summer of 2021. It is very important to give back to the community that has provided a great life for myself and my family. I have been married to Patti Heller for over 25 years and we have four children and eleven grandchildren. I am proud to be part of the Wauna Family and look forward to being part of the Board of Directors.An election will not be conducted by ballot, and there will be no nominations from the floor at the annual meeting when the number of nominees equals the number of positions to be filled, which is currently the situation. Any member who desires to run for the Board may do so now only by a nomination by petition signed by 270 credit union members in good standing 18 years of age or older. An application may be requested by calling 1-800-773-3236, Ext 3124. Completed applications may be mailed to ATTN: Governance Committee P.O. Box 67 Clatskanie, OR 97016 or delivered in person to any branch. Completed applications must be received by end of business on February 4, 2021

Reunion anual y aviso para los nominados de la junta nuestra 54a Reunion Anual se llevara a cabo el 16 de marzo a las 6:00 pm Erlene D arby Le arning Center 49249 Hwy 30 Westp ort, OR

La Junta Directiva ha aprobado tres nominados para tres puestos en la Junta Directiva de las solicitudes presentadas por los miembros. S us nombres e informaci6n biografica se incluyen a continuaci6n.

Chrissy Johnston, titular, Scappoose Estoy emocionado por la oportunidad de continuar sirviendo en la Junta Directiva de Wauna Credit Union. Naef y crecf en Scappoose, donde todavfa vivo hoy. Soy madre de tres ninos en edad escolar y propietaria de una pequena empresa. Antes de ser dueno de mi propio negocio, trabaje para un banco importante durante 12 anos y Trabaje mi camino desde un puesto de cajero a la gerencia. Despues del nacimiento de mi hijo, deje el banco para trabajar para una cooperativa de ahorro y credito que se especializa en capacitar a nuevos empleados, lo que me dio una idea clara de la diferencia entre las bancos y las cooperativas de ahorro y credito. Me apasiona el movimiento de las cooperativas de ahorro y credito y la filosoffa de las cooperativas de ahorro y credito de “la gente ayuda a la gente”. Siento que mis antecedentes y experiencia me penmiten fonmar parte de la Junta Directiva de Wauna Credit Union con un enfoque integral y serfa un honor para mf continuar representando a las miembros.

Jennifer Teeter, titular, Astoria He servido en la Junta Directiva de Wauna durante siete anos y he sido elegido Ofidal de Finanzas durante seis de esos anos. Wauna ha crecido sustancialmente en parte debido a la exitosa colaboraci6n entre las miembros de la junta. Me gustarfa seguir siendo parte de las exitos futuros de Wauna. Soy Gerente de Auditorfa para Isler CPA, trabajo desde mi casa en Astoria, auditando gobiemos locales y organizaciones sin fines de lucro. Antes de mudanme a Astoria/ Warrenton en marzo de 2013, trabaje en la ofidna de Isler en Eugene. Espero seguir sirviendole coma miembro de su junta directiva.

Dr. Michael R Hoag, Scappoose Asistf a las escuelas de Scappoose y me gradue en 1969. Asistf a la Facultad de Educaci6n de Oregon (Western Oregon University ahora) y la Escuela de Odontologfa de la Universidad de Oregon (OHSU), y me gradue en 1976. Practique odontologfa general en Scappoose desde 1976 hasta 1988. Luego me unf Facultad de Odontologfa de OHSU en 1990 y me retire de OHSU en 2010. Mientras estaba en OHSU, trabaje en el Departamento de Odontologfa Restauradora coma Profesor Asistente en el Departamento de Pr6tesis Removibles. Tambien trabaje en el Departamento de Ciencias del Comportamiento coma instructora de Odontologfa Preventiva y coma instructora de Higiene Dental en Anatomfa Dental. Para el Distrito Escolar Scappoose fui entrenadora asistente de baloncesto femenino de 1978-1981 y 2000-2002, entrenadora de baloncesto femenino universitario de 1982-1997. Entrenador de softbol universitario de 1996 a 2006. Tambien ocupe varios puestos de asistente de entrenador en futbol, beisbol y s6ftbol durante mi tiempo allf. Actualmente soy entrenador asistente de softbol. Ocupe puestos de liderazgo en el Scappoose Booster Club. Ocupe un puesto en la junta de Oregon Dental Service (Mada Health) de 1977 a 1980. Ocupe el cargo de presidente en la Asociaci6n de Antiguos Alumnos Scappoose de 2000 a 2010 y presidf dos Reuniones de Todas las Escuelas (2005, 2010). Me ofrecf coma entrenador de softbol, entrenador de beisbol, arbitro y oficial de Scappoose Little League durante muchos anos. Ocupe un puesto en la junta durante seis anos en Portland Asociaci6n de Arbitros de Softbol. Oficie en dos juegos del Campeonato Estatal de Softbol 6A (2011 y 2018) y fui honrado con el Arbitro del Ano de Softbol del Estado de Oregon en 2018. Fui Arbitro del Campeonato Nacional ASA en 2012 para el Torneo Nacional 23U. He servido en el Comite de Supervision de Wauna Credit Union desde 2016 y he sido el presidente durante las ultimas tres anos. He estado activo y sigo siendo activo en mi comunidad a traves del trabajo con nuestras asociaciones de j6venes y ex alumnos. Actualmente estoy ayudando al comite de celebraci6n de las 100 anos de Scappoose en la planificaci6n de la celebraci6n del centenario de la ciudad de Scappoose que se llevara a cabo en el verano de 2021. Es muy importante retribuir a la comunidad que ha brindado una gran vida para mf y mi familia. Estoy casada con Patti Heller desde hace mas de 25 anos y tenemos cuatro hijos y once nietos. Estoy orgulloso de ser parte de la familia de Wauna Credit Union y espero ser parte de la Junta Directiva.

Las elecciones no se llevaran a cabo mediante votacion y no habra nominaciones por parte del publico en la reunion anual cuando el numero de nominados sea igual al numero de puestos por cubrir, que es la situacion actualmente. Cualquier miembro que desee postularse para la Junta puede hacerlo ahora solo mediante una nominacion por peticion firmada por 270 miembros de la cooperativa de ahorro y credito que tengan al dia 18 aiios de edad o mas. Se puede solicitar una solicitud llamando al 1-800-773-3236, Ext 3124. Las solicitudes completadas pueden enviarse por correo a ATTN: Governance Committee P.O. Box 67 Clatskanie, OR 97016 o entregado en persona en cualquier sucursal. Las solicitudes completadas deben recibirse antes del cierre de operaciones el 4 de Febrero de 2021.

A New and Improved WaunaTalk

Do you love Wauna Credit Union’s award-winning* financial education podcast WaunaTalk. Are you tired of going to YouTube to listen to it? Have no fear, WaunaTalk is now available in audio only format. In addition, you can download WaunaTalk from your favorite podcast directory, including Apple Podcasts, Sticher, Spotify, TuneIn, and Google Podcasts.

In our newest episode Laura from our Operations team talks about some new approaches scammers are taking during the pandemic. After you listen to Laura’s podcast, take a trip down memory lane with all of the WaunaTalk episodes, which cover everything from buying a house to improving your credit.

*2018 recepient of the I think it’s very good what you’re doing award. Given by the author’s mom, and not representative of actual podcast awards.

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.

El orgullo de servir a los miembros que usan ITIN

The Pride in Serving ITIN Members

Uno de los valores principales del movimiento de las cooperativas de ahorro y crédito es brindar servicios financieros equitativos a grupos que históricamente han sido desatendidos. Hoy en día, Wauna Credit Union está desarrollando un programa y contratando personas para que estén presente para los miembros de nuestra comunidad que otras instituciones financieras no parecen querer ayudar, personas que viven y trabajan en nuestras comunidades con un número ITIN, y sin un número de seguro social. A menudo, las personas que no son hablantes nativos de inglés entran en esta categoría. Debido a que muchas instituciones financieras carecen de personal multilingüe, o a menudo consideran a las personas sin un número de seguro social de alguna manera más riesgosas, las comunidades Latinas se encuentran en desventaja y, a menudo, son el objetivo de prestamistas abusivos.

Una de nuestras primeras contrataciones en nuestra sucursal en Forest Grove fue contratar a Frank Elizondo-Alcalá, quien comenzó a trabajar compartiendo el estilo de Wauna Credit Union “Hay bancos que no ofrecen este tipo de préstamo, lo creen que es un riesgo muy grande para ellos y nosotros lo vemos de manera diferente, nosotros no vemos a la comunidad que usa ITIN o a la comunidad hispana como un riesgo”.

Univisión presentó recientemente el programa ITIN de WCU y destacó un gran ejemplo de cómo la Cooperativa de Crédito está marcando la diferencia.

“Me ha facilitado la vida porque antes uno no podía obtener un carro nuevo, tenía que andar comprando carros más económicos que no tienes que tener un crédito para comprar un carro nuevo, entonces a cada rato te fallaba, se descomponía, ya no servía y tenías que gastar en otro carrito”.

Además, nuestra Sucursal Virtual, el chat en línea y las unidades de Cajeros de Video cuentan con personal que puede ayudar a nuestros miembros de habla hispana. También estamos traduciendo y localizando nuestros documentos y materiales digitales e impresos para garantizar que no solo estamos abriendo una cuenta o otorgando un préstamo, sino también comunicando nos con nuestras comunidades en su idioma preferido y obteniendo su membresía de por vida.