August 2019 Anniversaries

Wauna Credit Union has been serving members of the towns and cities surrounding the Columbia River for 52 years. We’re continuing to grow (if you want to join us check out our careers page). August is Happiness Happens Month, which is perfect since those celebrating anniversaries in August bring happiness everywhere they go.

Megan Gillespie – 12 years

What is your current position?
I am currently one of two Card Specialists for Wauna Credit Union. Our job is to make sure all things card related work for our members with the least amount of friction possible. This allows them to use their accounts to the fullest. I started out 12 years ago as a part-time MSR. Since then I’ve dabbled in projects, call center, lending admin & operational functions, and now the world of payments and plastics. As more-and more transactions shift to cards and card-not-present, think online purchases, mobile wallets like ApplePay, etc. there is plenty to learn and ample opportunity to explore new services, products, and technology to improve the member experience with WCU.

Megan with scarecrow
Megan has made lots of friends in her time at the credit Union

What is something that working at WCU has taught you?
Working at Wauna has taught me the importance of teamwork. In order to ensure the best care for our members it takes everyone from IT working hard to keep systems and equipment running, to Virtual Branch fielding calls & inquires, to Lending for processing and approving loans (including credit cards), to Operations and Compliance to making sure we follow all regs and processes. Excellent member service does not occur in a vacuum nor is it the result of one person’s sole effort. It takes everybody working together.

If you could choose one new hobby what would it be?
I would love to learn to crochet and/or work more on my photography and other crafts.

Mike Chapman – 9 years

What is your current position?
I’m the Predictive Data Analyst at the credit union. My role is to collect, analyze, and interpret a variety of member & consumer data, which is then used to help us determine the products and services that will best meet the future needs of our members. I assist with helping Credit Union leaders understand what type of financial services our members need before they even know they need them!

What is something that working at WCU has taught you?
While all of us at Wauna Credit Union work at a very fast pace, it’s also just as important for us to remember to slow down to make sure we clearly hear and understand the needs of our member-owners.

Mike’s job is to look at things in a new way

If you could choose one new hobby what would it be?
While I strive each day to make good environmental-friendly decisions, I would enjoy being able to have more time to give to the worthy organizations which do such great work to improve our environment.

Jenn Kenney – 7 years

What is your current position?
My current position is Technical Operations Systems Manager. This is a complicated way of saying I am the bridge between the Operations side of the credit union and the IT side. This is a new position for me and I am hoping to learn so much about the technical side that I can be the bridge between IT and many other departments within Wauna. WCU is always working to bring the best technological advancements to our members, and I get to be part of it.

What is something that working at WCU has taught you?
Working at WCU has taught me that none of us would be successful alone. It takes all of us as a team to serve our members and make things happen. As part of working on this team, I have also learned patience. Patience for other’s time and capacity and that having patience helps to get things done.

Jenn’s been going to the beach much more over the last two years. Always with hands in her pockets

If you could choose one new hobby what would it be?
More travel, but more travel specifically with the intent to see shows or concerts or other amazing things where ever I might travel to. I have begun this hobby with an upcoming trip to New York to see Hamilton on Broadway.

Anna Bennett – 4 years
What is your current position?
I am currently the HR Assistant for Wauna, I handle payroll and help our employees understand their benefits. I started out as a teller at Wauna in 2015 so my job has changed a lot over the years, but at the core I still get to help people and this is one of the things I love most about working here.

What is something that working at WCU has taught you?
Working at Wauna has really helped me find my passion and develop my career plan. I have learned that there are always opportunities to grow yourself if you are willing to put in the work and that hard work and loyalty will always be rewarded.

If you could choose one new hobby what would it be?
This is hard! I think if I could only choose one thing it would be to travel. I love the idea of getting to experience different cultures.

Kylee Lunsford – 2 years

What is your current position? 
My current position is Member Service Manager of the Safeway Branch. My job is to make sure that our members have the tools and knowledge to maintain financial independence and growth. I also work on community outreach and fiscal education.

Kylee is the one on the right

What is something that working at WCU has taught you?
My job at Wauna has taught me about the strength that Credit Unions can lend to their communities when they are impassioned about. Until I began working here I had no idea about all that we do behind the scenes to uplift our communities through volunteer work, outreach and education.

If you could choose one new hobby what would it be?
If I could pick a new hobby to take on at this point in my life it would be rock climbing. The whole fear of heights thing is just a technicality!

Chris Martin – 2 years

Chris carries log
Chris is always willing to lend a hand

What is your current position? 
I’m the maintenance supervisor. We work with all over the footprint to ensure the branches are running smoothly and have everything they need. Sometimes that means fixing something that is broken. Sometimes it means noticing a big change that could be made to improve branch operations. Maintenance also plays a huge part in building projects like the new branch that is going to be opening up in Forest Grove. My job is to give everyone peace of mind, knowing that any needs they have we will be there to assist them. Also of course it means bringing a little humor and joy to the branches. We like knowing that we have done everything above and beyond what is expected of us. We want people to know they can call on us anytime, regardless how small the request is.

What is something that working at WCU has taught you?
This place is very family orientated. Also bringing your co workers breakfast generally brings a smile to their face. It’s that small things that matter.

If you could choose one new hobby what would it be?
Spend more time fishing, and hunting with family and friends.

Nichole Soares – 1 year

What is your current position?
I am a Virtual Consultant in the Virtual Branch, and I am also a loan officer. I assist members with virtually (hehe) every type of need/service within the credit union. From accounts to loans; I perform transactions, assist with all facets of online banking, help members with the majority of their financial questions. At times am an ear for them when dealing with tough times in their personal lives.

I am now a loan officer so I also assist members in finding the product or service that fits best in how they are trying to structure their finances now and in the future. If they are credit challenged, I have been provided with the tools and training to confidently guide them onto a road to success in improving their overall credit, not just their score.

In the Virtual Branch we touch pretty much every department of the credit union so I am constantly learning ang growing in my position. The Virtual Branch really provides me with an opportunity to be an asset to the credit union, and I never feel like it’s the same old routine when I come to work. I really enjoy knowing that I am a part of the credit union as a whole.

Nichole and her cat

What is something that working at WCU has taught you?
The main thing that stands out to me, being a part of Wauna, is remembering when I attended NEO a year ago. We are constantly reminded of Wauna’s mission and vision as a credit union, but during NEO the mission and vision for Wauna’s employees is emphasized. I have never worked for anyone who really showed that they genuinely value their employees. We have amazing benefits, my team is amazing and I enjoy interacting with other departments and branches. We are given endless tools to build our knowledge and succeed and the opportunities for training are outstanding. It is easy to adopt the mission and vision of Wauna, because they fit right in with my own values. I have been here for a year. The amount of what I have learned about the financial industry and how credit and loans work is mind-blowing. I also continue to learn so much about things I had no idea about, from how to open a business account to understanding the intricacies of how debit cards and credit cards work on the servicing level.

One of the main things I have learned at Wauna that has been particularly life-changing for me, is how well my values mesh into what Wauna stands for. It is important to me to develop relationships with the people I assist and that is what Wauna is all about. I went to college and obtained my Bachelor’s degree in Anthropology/Sociology and Psychology. I thought for sure after holding onto that expensive piece of paper for a few years that I wasn’t going to make use of my education, but every day I get an opportunity to use those skills, especially with TMA. I’ve also learned that there are managers out there that want to offer you all the opportunities to succeed and I am extremely blessed and grateful to have Carli and Ashleigh as my supervisors. They truly exemplify being a part of a team, or as we like to call it, Our “Tribe”.

If you could choose one new hobby what would it be?
I would like to have the time and energy to go hiking a couple of times a week. It is one of my favorite physical activities.

Others

  • Amanda Wolf – 3 Years

July Anniversaries

Wauna Credit Union has been serving members of the towns and cities surrounding the Columbia River for 52 years. We’re continuing to grow (if you want to join us check out our careers page). July is usually the hottest month of the year, and those celebrating anniversaries in July definitely bring the heat. 

John Moore – 9 years
What is your current position?

I am the Chief Experience Officer and part of WCU’s leadership team. My job is to work with all member facing employees from our MCs in the branches to our different lending departments. My focus is making sure our members feel valued and appreciated for choosing to do their banking with us. I also get to work with our Virtual Branch and how we utilize technology to deliver service to our members who need help or services and can’t make it into a traditional branch.

John With his dog
John teaches his puppy to audit files

What is something that working at WCU has taught you?
Working here at WCU and how our values and mission statement all revolve around people helping people has really taught me the value of the relationships we build with our members. It is so exciting to be with them when they purchase a house, have a baby, or buy their first car. It is also so very rewarding to be there for our members through life’s challenges and to support and council them in a time of need. I love working with our employees and helping them in their careers and seeing the pride they take in their job helping our members throughout our footprint.

If you could choose one new hobby what would it be?
I would love to have the time and resources to build custom furniture. I enjoy working with my hands and building things. I have so many smaller projects like making duck calls, fishing poles, and carvings but would love to have the equipment and time to build custom pieces for people.

Carli Lyon – 14 years
What is your current position?

I am AVP of Virtual Services. I oversee the Virtual Branch which assists members financial needs virtually, whether it is over the phone, online, chat, email, or our virtual teller machines. The Virtual Branch is crucial if members chooses to do their financial business in nontraditional ways such as going into a branch. With the assistance of online services such as U Banking, the Virtual Branch offer members the ability to get assistance with their financial with ease and convenience without having to step foot into a branch. We are the voice you hear when you call Wauna Credit Union. We are the faces you see when you use our drive through ITM machines. We are those on the other side of the chat or email window. Apply for a loan online, that is us too! And, we are always looking to expand our services and make it even easier. Be on the lookout for the possibilities we have coming to you such as ability to open new accounts online, Video Chat, and more!

What is something that working at WCU has taught you?
Wauna Credit Union has taught me that hard work, dedication, and loyalty contributes to your success. I started when I was just 20 years old as an Part-time MSR. At that age, I was just starting out on my own and wasn’t sure where my future would lead but I was set out to be successful in whatever it was I choose to do even if I didn’t hold a college degree. That is exactly what I did and continue to do. Hard work, dedication, strong work ethic, loyalty, motivation, and initiative has made my career here possible.

If you could choose one new hobby what would it be?
If I could choose one new hobby to start and money was not an issue, I would start a Pitbull Rescue Center. Not only do I have a passion for helping people, I have a desire to assist animals that are in need!

Heidi White – 7 years
What is your current position?
I’m a Member Consultant in the Clatskanie branch. One of the most important things about my job is member relationships, whether it’s establishing a rapport with a new member, or continuing to build upon a well-established relationship with somebody I’ve known for a long time. My job is constantly evolving to fit the needs of our members. I started out doing basic transactions and now I do everything from running coin to coaching a member on how to best improve their credit score so they can buy a home.

What is something that working at WCU has taught you?
Working at WCU has taught me to always take the initiative to learn new things. Earlier in the year I noticed that the Credit Union National Association (CUNA) offered a program to teach frontline staff how to best serve our members. I took the training, passed my tests, and became the first CUNA recognized Member Services Level II employee at the credit union.

If you could choose one new hobby what would it be?
If I could choose a new hobby, I would choose to travel all over the world. I just got back from Hawaii with my family and had such a fun time. Who knows, I might even become a travel writer and get paid for it.

Kristen DeForrest – 3 years
What is your current position?

I recently transferred to the Clatskanie Branch to work as our Compliance Specialist. I am currently learning as much as I can about my position! I spend my time filing daily reports, monitoring dormant accounts and assist in making sure we follow up to date policies and procedures.

You’ll always find Kristen at her desk with an iced coffee in hand

What is something that working at WCU has taught you?
Moving to a new branch has challenged me to build new relationships and proven that Wauna is one big family. Our core value of Team and Family spirit is alive all across our footprint.

If you could choose one new hobby what would it be?
I love my little family and the outdoors so I would absolutely love to travel more. I want to experience the world with my family.

Others

  • Jan Durie – 6 Years
  • Amber Alexander – 4 Years
  • McKenzie Lewis – 2 Years
  • John Kurns – 2 Years
  • Lisa Frances – 1 Year
  • Pie Espinoza – 1 Year
  • Joe Talamantez – 1 Year
  • Katrina Pixley – 1 Year

Wauna Credit Union Assists Funding of Affordable Housing Project

The “18th Street Development”, an affordable housing project of 16, 400-square-foot units, is hosting its ribbon-cutting ceremony in St. Helens today.

The project initially struggled to get off the ground, with funding issues keeping construction at bay. Funded by a $675,000 loan from Wauna Credit Union (WCU) and grants from Oregon Housing and Community Services (OHCS), the initiative broke ground in October of 2018.

Senator Betsy Johnson, Director of OHCS Margaret Salazar, and WCU AVP Regional Manager Pam Weller, helped facilitate the funding package. Concept, design, funding, and construction were all completed through local entities.

“We were doing an analysis of the housing crisis in Columbia County and WCU is designed to partner with and help our communities,” said WCU AVP Regional Manager Pam Weller. “We had to find a way to make this happen,” said Weller.

The project is addressing two of Oregon’s 5-year plan regarding affordable housing priorities, first by increasing Oregon’s supply of affordable rental housing and second by addressing homelessness.

“What a great opportunity for St. Helens and Columbia County,” said Senator Betsy Johnson. “The goal is a home for every Oregonian. Human housing is a right and every person here today makes this a reality,” said Johnson.

Twenty-five percent of the unit capacity is reserved for homeless people suffering from mental health issues. Occupancy for 16 individuals and/or families will be available in August.

July 2019 Statement Insert – Where Are You Going This Summer, Individual Homeowners Welcome

Individual Homeowners Welcome
USDA, FHA, and VA/IRRRL Loans
Home Equity Lines of Credit
First-Time Homebuyers
Manufactured Homes
Investment Property
Primary Residence
New Construction
Bare Land
24/7 lending
waunafcu.org
800-773-3236
NMLS#421867
Equal Housing Opportunity
July 2019 Statement Insert Page 1
Where are you going this summer?
Get there with Visa Rewards.
VISA Rewards VISA Platinum
VISA For Every Individual
Federally insured by the NCUA

Cascade Crest Insurance
Protect Yourself. Your Family and Your Wallet
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Home – Auto – Business – Life – Specialty
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Call 503- 728-4391

July 2019 Statement Insert Page 2

Getting Mortgage Ready

Wauna Credit Union offers mortgages that are tailored for the people and properties that make up Columbia, Clatsop, Western Washington and Pacific Counties. Applying for a mortgage can often seem complicated, confusing and difficult, but it doesn’t have to be.

Here are five steps you can take now to get mortgage ready next year:

Step 1: Create a saving plan

The money it takes to make a down payment can seem like a huge mountain to climb. The key is making a plan to create easy to manage steps. One of the best ways to grow your savings is to put aside money consistently — even if it’s a small amount. Next is identifying your expenses. Be mindful of spending leaks like dining out, excessive entertainment costs, late fees, etc. It’s a good practice to move any surplus to a separate share account specifically for your home purchase. That way you’re not tempted to use your down payment for other items. If your job offers overtime, see if you can pick up extra hours, or look for opportunities to take on a side job.

Step 2: Review your credit report

Now’s the time to look at your credit report. You can use the free credit reports at annualcreditreport.com to see the information that is on your credit report. You can also come in to talk with one of our Real Estate Loan Officers (RELOs). Ensure all the information is accurate, and dispute any errors you find directly with the credit bureaus.

Step 3: Optimize your credit

Payment history is one of the primary factors in credit scoring, so start making timely payments on all of your accounts. Look for any late payments that may be dragging your score down that were reported in error. Next, pay close attention to your balances on your revolving accounts (credit cards or lines of credit). How much you charge compared to your extended limit affects your credit score negatively (credit utilization ratio). Reduce your balances or pay them off whenever possible. To avoid lower scores, keep balances low (below 30% of your limit) throughout the application process, and don’t take on any new credit.

Step 4: Save money for upfront costs

You will need money to cover upfront costs when you start the home buying process. Once you find the right home and decide to write an offer to purchase, the seller will likely require an earnest money deposit (amount varies). Also, as you approach your closing date, you will need to provide funds for the down payment and closing costs which will depend on varying factors like your mortgage type, purchase price, loan amount, and so forth. We recommend you communicate regularly with your lender, so you know ahead of the closing date exactly how much you will need to bring to closing.

Step 5: Gather your documentation

Gather your most recent 30 days of pay stubs, bank statements, and the past two years of federal tax returns. We’ll also take a look at all borrowers’ two-year employment history. If you are self-employed, or not a W2 employee, we will want to look at your tax returns from the last two years. Last year we put together a video going a little more in depth on what we’ll need. You can watch it here.

While the mortgage application process may seem daunting, being prepared ahead of time will help you breeze through the process. The more you know, the better prepared you will be when you meet with our RELOs for the first time.

June 2019 Statement Insert

Visa for every Individual
Don’t miss getting your VISA Rewards card
Apply through July and get up to 30,000 Bonus Points*
Get the card that plays!
3.49% Intro APR* For VISA Rewards so you can play and get paid
Standard Rate after Intro Period: 11.15% APR – 17.90% APR
10,000 Bonus Points** After registering at scorecardrewards.com
20,000 Bonus Points** After account balance exceeds $999.99
Check out our VISA Platinum card with a 2.99% Intro APR* at waunafcu.org
Standard Rate after Intro Period: 9.90% APR – 17.90% APR
*APR: Annual Percentage Rate. This special offer is exclusive to new VISA platinum or Rewards credit card accounts opened on or before July 31, 2019. The special 6-Month Introductory Rate periods (Platinum 2.99% APR; Rewards 3.49% APR) apply to purchase balances for a maximum of 6 billing cycles following the account opening date. Qualifying Rewards credit card accounts are eligible to earn up to 30,000 Bonus Reward Points : 20,000 Points if their account balance exceeds $999.99 on or before August 31, 2019; and/or 10,000 Bonus Points when the account holder creates logon credentials and accesses the Scorecard
Rewards website on or before August 31, 2019. Some restrictions apply; Membership with Wauna Credit Union is required. This promotional offer ends July 31, 2019. Promotional details available at waunafcu.org.
24/7 Lending, waunafcu.org, 1-800-773-3236

Individual Homeowners Welcome
Eric & Jessica, Warren

Cascade Crest Insurance
Save Up to 25%
When you bundle home and auto
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Auto, home, renters, life, business
www.cascadecrestinsurance.com

Statement Insert June 2019 Page 1

Individuals Welcome at Wauna Credit Union
Apply 24/7, waunafcu.org, 800-773-3236
Anthony Krueger’s photography is treasured art here in Columbia County. Many of Anthony’s photographs are of the local landmarks we all know and love: the Columbia River, the Astoria-Megler Bridge, the truss bridge spanning the Nehalem River. His 26 years as a member of our community truly shines through in his work. In those 26 years, Anthony has built a family, tenured his art, and grown his career at the Wauna Mill. The best part of Anthony’s career? Flexibility to spend time with his children. “My family comes first before anything,” he says. Like so many of us, Anthony also loves the outdoors. His UTV, pictured above, was financed right here at your Credit Union. You too can enjoy the outdoors with a toy of your own. Now, through the end of July, Wauna Credit Union is offering special financing for motor homes, travel trailers, boats, motorcycles, ATVs, UTVs, and water craft. Get started today and receive a gift card of up to $250* with rates starting as low as 4.75% APR*. Anthony’s breathtaking art truly illustrates a deep respect for the place we call home, and Wauna Credit Union is honored to feature his talent.

*APR: Annual Percentage Rate. Promotional financing terms offered through July 31, 2019, and available for New and Used Purchase loans, and qualifying loans Refinanced from elsewhere to Wauna CU. Qualifying loan types include motor home, travel trailer, boat, motorcycle, ATV, and watercraft. Special terms are subject to change without notice. The loan range to qualify for the promotional terms is $2,000 to $49,999. Approved loans qualify for 60-Days No Payments (interest will continue to accrue during the 60-Days period) plus a VISA Gift Card based on the loan amount: $50 (loan $2,000-$4,999), $100 (loan $5,000-$14,999), $150 ($15,000-$24,999), and $250 (loan $25,000-$49,999). Rates & terms offered based on applicant’s credit worthiness and term of loan. RV-Toy Loan rates start at 4.75% APR for up to 48-months; other rates and terms are also available. Membership with Wauna CU required.

Statement Insert June 2019 Page 2

June 2019 Anniversaries

Wauna Credit Union has been serving members of the towns and cities surrounding the Columbia River for 52 years. We’re continuing to grow (if you want to join us check out our careers page). Today we’re celebrating four employees who are celebrating celebrated anniversaries in May?

Jeannie Mustola – 3 years
What is your current position?
I’m a Member Consultant III in the Clatskanie branch. I help members with all different types of transactions, from applying for a truck loan to setting up a reoccurring transfer to their deposit accounts. I also recently became a Level III Underwriter. That means I get to look for ways to say yes to approving consumer, vehicle, and other personal loans.

What is something that working at WCU has taught you?
Over the last 3 years I have learned so much about how to help people through service tailored to each individual. My relationships with members have grown stronger than ever as a result of being myself while focusing on what is important to them.

If you could choose one new hobby what would it be?
I just bought a new house, so my new hobby is doing DIY projects to fix it up and make it my own. You can find so many helpful tutorials on YouTube.

Hugo Potts – 2 years
What is your current position?
I’m a Lending Support Specialist. I look at all the consumer loan applications, as well as all the vehicle loans that come in from the area dealerships, and ensure they are sound financially. At Wauna, we look for ways to say yes to every single loan, but we do need to make sure we stay a financially fit organization. I also audit the consumer and mortgage file to make sure we have all the documentation we need. My job is important because I help facilitate the loan process in all aspects of the credit union, and help our members realize their financial dreams.

What is something that working at WCU has taught you?
Working at Wauna has taught me so much about life in general. I feel more confident in all aspects of financial lending, and have gained so much knowledge that will serve me for years to come.

If you could choose one new hobby what would it be?
If I had to pick a new hobby it would have to be hiking. There is so much beautiful scenery in Oregon and Washington, and it’s great to see as much of it as possible.

Katelynn and Hugo

Alejandra Bermudez – 2 years
What is your current position?
I am an MC at the Astoria Safeway branch. I am one of the first person you see once you enter the branch, I help members with their financial needs and concerns.

What is something that working at WCU has taught you?
Working at WCU has taught me that when we say “we are family” we truly are and mean it. I have also been taught that there are always learning and promotion opportunities.

If you could choose one new hobby what would it be?
A new hobby I would choose would be to learn to play the piano. I have wanted to learn to play the piano sense I was young and it would be a good bonding moment with my siblings if they are interested as well.

 

 

Autumn Crawford
What is your current position?
I work as an Operations Intern out of Clatskanie three days a week, and the other two days I am an IT intern in Westport.  What both of my jobs have in common is I make sure things run smoothly behind the scenes so that our members have the best experience with our company as possible.

What is something that working at WCU has taught you?
Something that working at Wauna Credit Union has taught me is building credit doesn’t have to be difficult if you stay on top of things. Building credit is a very important thing and it doesn’t have to be scary to young people.

If you could choose one new hobby what would it be?
If I could choose one new hobby it would be paddle boarding, I hope I get to more this summer. I found it really fun to go out with my family on a warm day last summer to enjoy the sun and water.

 

Member Spotlight: Anthony Krueger

Anthony Krueger’s photography is treasured art here in Columbia County. Many of Anthony’s photographs are of the local landmarks we all know and love: the Columbia River, the Astoria-Megler Bridge, the truss bridge spanning the Nehalem River. His 26 years as a member of our community truly shines through in his work.

In those 26 years, Anthony has built a family, tenured his art, and grown his career at the Wauna Mill. The best part of Anthony’s career? Flexibility to spend time with his children. “My family comes first before anything,” he says.

Like so many of us, Anthony also loves the outdoors. His UTV, pictured below, was financed right here at Wauna Credit Union. You too can enjoy the outdoors with a toy of your own. Now, through the end of July, Wauna Credit Union is offering special financing for motor homes, travel trailers, boats, motorcycles, ATVs, UTVs, and water craft. Get started today and receive a gift card of up to $250* with rates starting as low as 4.75% APR*.

Like so many of us, Anthony also loves the outdoors. His UTV, pictured below, was financed right here at Wauna Credit Union. You too can enjoy the outdoors with a toy of your own. Now, through the end of July, Wauna Credit Union is offering special financing for motor homes, travel trailers, boats, motorcycles, ATVs, UTVs, and water craft. Get started today and receive a gift card of up to $250* with rates starting as low as 4.75% APR*.

Anthony’s breathtaking art truly illustrates a deep respect for the place we call home, and Wauna Credit Union is honored to feature his talent.

*APR: Annual Percentage Rate. Promotional financing terms offered through July 31, 2019, and available for New and Used Purchase loans, and qualifying loans Refinanced from elsewhere to Wauna CU. Qualifying loan types include motor home, travel trailer, boat, motorcycle, ATV, and watercraft. Special terms are subject to change without notice. The loan range to qualify for the promotional terms is $2,000 to $49,999. Approved loans qualify for 60-Days No Payments (interest will continue to accrue during the 60-Days period) plus a VISA Gift Card based on the loan amount: $50 (loan $2,000-$4,999), $100 (loan $5,000-$14,999), $150 ($15,000-$24,999), and $250 (loan $25,000-$49,999). Rates & terms offered based on applicant’s credit worthiness and term of loan. RV-Toy Loan rates start at 4.75% APR for up to 48-months; other rates and terms are also available. Membership with Wauna CU required.

May 2019 Statement Insert

Insert page 1

Get the card that plays!
3.49% Intro APR*
For VISA Rewards so you can play and get paid

10,000 Bonus Points**
After registering at scorecardrewards.com

20,000 Bonus Points**
After account balance exceeds $999.99

* APR: Annual Percentage Rate. This special offer is exclusive to new VISA
Platinum or Rewards credit card accounts opened on or before July 31, 2019.
The special 6-Month Introductory Rate periods (Platinum 2. 99% APR; Rewards
3.49% APR) apply to purchase balances for a maximum of 6 billing cycles
following the account opening date, after which time the cardholder’s regular
Credit Card Account Agreement terms will apply; some restrictions may apply.
Qualifying Rewards credit card accounts are eligible to earn up to 30,000
Bonus Reward Points: 20,000 **Bonus Points if their account balance exceeds
$999.99 on or before August 31, 2019; and/ or 10,000 **Bonus Points when
the account holder creates logon credentials and accesses the Scorecard
Rewards website on or before August 31, 2019. Some restrictions apply;
Membership with Wauna Credit Union is required. This promotional offer ends
July 31, 2019. Promotional details available at waunafcu.org.

Individual Adventures Welcome
This could be yours for $173 per month*
This listed monthly payment is an estimate based on a loan amount
of $7,500 at 4.99% APR* for 48 months. Monthly payments may
vary based on individual credit worthiness and other factors

60-days no payments
Gift Card of up to $250
Finance new or used toys
Move your loan from elsewhere for same terms

*APR: Annual Percentage Rate. Promotional financing terms offered through July 31, 2019, and available for New and Used Purchase loans, and qualifying loans Refinanced from elsewhere to Wauna CU. Qualifying loan types include motor home, travel trailer, boat, motorcycle, ATV, and watercraft. Special terms are subject to change without notice. The loan range to qualify for the promotional terms is $2,000 to $49,999. Approved loans qualify for 60-Days No Payments (interest will continue to accrue during the 60-Days period) plus a VISA Gift Card based on the loan amount: $50 (loan $2,000-$4,999), $100 (loan $5,000-$14,999), $150 ($15,000-$24,999), and $250 (loan $25,000-$49,999). Rates & terms offered based on applicant’s credit worthiness and term of loan. RV-Toy Loan rates start at 4.75% APR for up to 48-months; other rates and terms are also available. Membership with Wauna CU required.

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Grow Your Business in 2019 Seminar
Presented by Cascade Crest Insurance and Wauna Credit Union
Learn and apply marketing techniques,
commercial lending practices, and business
insurance strategy at this FREE event!
WHEN: June 17th 4PM-5:30PM
WHERE: St. Helens Public Library
WHO: Open to the public
Contact Cascade Crest Insurance at 503.543.5636 or
WCU at 800.773.3236 to learn more

Individuals Welcome at our Long Beach Location
Wauna Credit Union
24/7 Lending | waunafcu.org | 800-773-3236
Federally insured by the NCUA
We’re now a full-service branch at:
910 Pacific Ave • Long Beach, WA

$417
The Average Amount Drivers are Overpaying Each Year for Car Insurance. Source Nerdwallet.com
Should you be paying less for auto insurance? Start a free quote and we’ll help you save.
Cascade Crest Insurance
Save today, get a free quote at www.cascadecrestinsruance.com

May Anniversaries

Wauna Credit Union has been serving members of the towns and cities surrounding the Columbia River for 52 years. We’re continuing to grow (if you want to join us check out our careers page). May I introduce you to the employees who celebrated anniversaries in May?

Debi Smiley – 31 years
As Chief Marketing Officer, I oversee and direct the marketing efforts and facility design of WCU. My responsibilities include planning, developing, implementing and monitoring the overall business marketing strategy. Some of the duties include market research, pricing, product marketing, marketing communications, advertising and public relations. I also participate as a member of the Leadership Team.

What is something that working at WCU has taught you?
I have enjoyed the opportunity to innovate and provide services and products to the members of the communities we serve and be the financial partner choice that can help them achieve their dreams. The lesson that I take away from my 31 years of service is that making a difference in people lives is very important toDebi on ATV me. WCU has provided me with the channel to help people and make a positive difference. This has come in many forms such as counseling, volunteerism, providing tools to friends and co-employees that helps them achieve their goals. All of these are so rewarding and fulfilling.

If you could choose one new hobby what would it be?
My new hobby would be sports related in some fashion. One thought would to be to coach a team or lead an exercise class. It would involve fun, motivation, physical challenge and lead to improved health.

Laura Wells – 7 years
My position is Accountant. A lot of what I do is make sure yesterday’s activity from our members and employees balances and makes sense today. There’s a lot that goes on behind the scenes to make sure the credit union is financially sound, and all the transactions happened as they should. I balance our ATMs and ITMs, debit and credit card activity, as well as all of the checks that get deposited in the branches. Our members may not really think about us in Accounting-land, but I love being able to help them behind the scenes.

What is something that working at WCU has taught you?
Working at Wauna has taught me about teamwork and communication. We all have a common goal and everybody is important to successfully keeping the credit union running and our members happy, but we have to work together to achieve those goals! Laura in front of waterfallIf you could choose one new hobby what would it be?
I think it would be fun to pick up travel writing. If I had all the time and money in the world, my new hobby would be to just travel around the world meeting people, eating food, and writing about my experiences. I’m headed to London in June, which will be country #23 for me.

Jennifer Clark – 3 years
What is your current position?
I’m a real estate loan officer based out of the St. Helens branch. My job is to assist members with financing their “forever home” or tapping into the equity in their current home to meet their financial goals.Jen at her desk

What is something that working at WCU has taught you?
That taking initiative is essential. There is always room for improvement; work that could be completed more efficiently.  I look at the processes that I use throughout my day and enjoy coming up with ways to improve them. The fact that my Wauna family has given me great support, well, it’s meant a lot.

If you could choose one new hobby what would it be?
If I had to choose just one new hobby it would have to be geocaching. It’s a grown-up scavenger hunt!

Devyn Osborne – 2 years
I started as an MC in our Astoria branch. I really enjoyed all of the knowledge I obtained. It was great to get experience all the way from handling large amounts of cash to processing loans and more. I also had the opportunity to work in the Safeway Branch as well as the Warrenton Branch a handful of times, which was great training for my current role as a Virtual Consultant. I have always really enjoyed working with members and it’s a great feeling that I can be the smile on the other side of the phone. It was definitely a process learning how to give the members the same experience without being directly in front of them.

What is something that working at WCU has taught you?
I have obviously learned a lot about finances and lending as well as how the Devyninternal side of Wauna works. Since I’ve been at the Virtual Branch, I’ve learned a lot more about what happens behind the scenes to make sure everything runs smoothly. I have also had much more opportunity to help our members get loans, for cars, recreation vehicles, or even to help go on the trip they’ve always dreamed. The other thing working at the credit union has taught me is to never let one person’s bad day cause you to have a bad day. Sometimes I can cheer somebody up by keeping a positive attitude, but even if I can’t, I want to be sure that the next person I talk to is getting me at my absolute best.

If you could choose one new hobby what would it be?
I love my little family and the outdoors so I would absolutely love to travel more. I want to experience the world with my family.

Others

  • Loren Ames – 10 Years