February Anniversaries

Wauna Credit Union has been serving members of the towns and cities surrounding the Columbia River for 52 years. Our February anniversary celebrants bring love to the credit union. We’re continuing to grow (if you want to join us check out our careers page). 

Rebekah Ausmus – 2 years

What is your current position?
I am a Real Estate Support Specialist- I’m the one that sends the money when people get a mortgage, and the one that handles the paperwork when they pay them off. It’s fun to be part of such huge moments in people’s lives, even if they never see me. I have been in my current position for two months, but have worked at Wauna for two years.

What is something that working at WCU has taught you?
While working for Wauna I have learned that being part of a team that is there to support you is key to being successful. I enjoy working with such an incredible group of people who are willingly to take on any task to help their team.

If you could choose one new hobby what would it be?
I would like to start a card club where friends can meet up once a month and play different card games. My favorite is Shanghai Rummy.

Rebekah and her kids

How Do I Get a Mortgage

Do you want to buy a home, or maybe fix up the one you have, but have questions about getting a mortgage? Luckily, two of the best loan officer in Clatsop County are hear to answer your question.

Paige Tischer and Heather Dixson sat down with WaunaTalk recently. Both Paige and Heather have worked with our members for years. They talk through the steps it takes to get a mortgage, and the types of loans the credit union offers. Also, Paige and Heather chat about how a credit union is different than a bank or broker.

If you’re looking to purchase or refinance learn more on our Mortgage page. Wauna Credit Union offers primary, investment, vacation, and bare land loans. We also let you use the equity in your home to get a HELOC.

Whatever mortgage you need Wauna Credit Union has the solution for you. Our friendly RELOs, Mark, Jen, Paige, and Heather are here to answer any question you have.

Tell them Veyda sent you.

Veyda the Mortgage Dog
Veyda the Mortgage Dog takes a break after helping our members get their home loan

If you want to listen to past episodes of WaunaTalk check out this page. Employees discuss credit, working at the credit union, an even what makes a credit union special. If you have suggestions for future editions let us know.

January Anniversaries

Wauna Credit Union has been serving members of the towns and cities surrounding the Columbia River for 52 years. Our January Anniversaries helped us start the year with a bang. We’re continuing to grow (if you want to join us check out our careers page). 

Pam Weller – 15 years

What is your current position?
My position is to oversee the growth and operations of the branches and WCU’s commercial loan department to ensure the needs of all of our members are being met. We understand that our area is special, and so are the needs and circumstances of the people who live here. On the branch side I oversee the employee growth for the Area Managers who have direct responsibility to the branch employees and the day to day operation of the branches, and with the commercial team I work to ensure the business lending needs of our members are being met, including directing commercial loan operations, underwriting and annual reviews.

What is something that working at WCU has taught you?
Working at Wanua Credit Union has been a great opportunity to learn management and leadership skills over the last 15 years. Working with and training new employees has been a very rewarding part of my position with WCU. There have been many opportunities to learn about all areas of the financial industry.

If you could choose one new hobby what would it be?
If I had a choice of a new hobby it would probably be to travel with a goal to visit every National Park in the United State.

Star Wars is an important part of life at Wauna Credit Union

Serena Schlosser – 4 years

What is your current position?
I am the Manager of the Lending Admin department, based out of Astoria. I get to work with all aspects of consumer loans (auto loans, credit cards, and unsecured loans). My department audits, processes, and decisions these loans. We also assist our Member Consultants in providing these products to our owner-members to build their financial well-being.

What is something that working at WCU has taught you?
Working at Wauna has taught me that the most obvious solution to a situation isn’t always the best one. Taking the time to dig deeper and really understand our members is very important in uncovering the best options that our credit union can offer to serve them.

If you could choose one new hobby what would it be?
If I could choose a new hobby it would be to restore old buildings in order to give them new purpose. I really enjoy the sense of place a building with a bit of history imparts on a community.

Serena loves visiting area landmarks

Others

  • Randy Buholts – 10 Years
  • Jenifer Katon – 6 Years
  • Jeff Kratka – 2 Years
  • Dave Freeman – 2 Years
  • Trevor Shelby – 2 Years
  • Amanda Heikkila – 2 Years
  • Matt Edwards – 1 Year

January Statement Insert – Rebate, Balance Transfer

REBATES For Every Individual
1%* cash back
60 days no payments
When you move your vehicle, watercraft, off-road, or unsecured loans to us.
Federally insured by the NCUA
*Special Promotional Terms: Upon loan approval, current and new Wauna CU members who refinance a qualifying loan currently financed elsewhere to Wauna Credit Union become eligible to receive: 1. Immediate Cash Rebate equal to 1% of the approved loan value; 2. 60-Days No Payments (interest will continue to accrue during the 60-day period); and, 3. Wauna CU will pay the vehicle title transfer fee up to $100 (member is responsible to pay any additional amount). Qualifying Loans: Auto, Truck, SUV, Van, Motor home, trailer, boat, watercraft, motorcycles, side-by-sides, quads, and unsecured loans such as home furnishings, tuition, personal loans, etc. Minimum loan amount to qualify for special terms: $2,000; Maximum rebate allowed is $500 per qualifying loan. These special, promotional financing terms end at close of business April 30, 2020. Rates & financing are offered based on applicant’s credit worthiness and term of the loan. Note: the promotional cash rebate paid to a member may be forfeit if the loan balance is paid in full within 180-days of the loan funding date. Membership with Wauna CU required to be eligible for this special offer.

Transfer your balances to us and save
0% Intro APR^ for 6 Months
Rewards APR After:
11.15% 18.00%
Platinum APR After:
9.90% – 17.90%
^The special 0% Introductory Rate applies to qualifying balance transfers processed through March 31, 2020. The Introductory Rate will begin on the date the balance transaction is processed and remain in effect for 6 billing cycles, at which time the terms of the cardholder’s Credit Card Account Agreement will apply. Current rate for VISA Rewards is 2.99%-18.00% APR, and for VISA Platinum 9.90%-17.90% APR. A Balance Transfer Fee equal to 3% of the total balance or $20, whichever is greater, will be assessed at the time the balance transfer is processed. Balance transfers from other accounts issued by Wauna Credit Union do not qualify for the special terms, nor will any amount of debt which would cause the account holder’s credit card balance to exceed their credit limit. Failure to abide by the terms and conditions of the Wauna CU Credit Card Account Agreement may result in forfeit of the Introductory Rate. APR: Annual Percentage Rate. This special promotional offer ends at close of business March 31, 2020. Complete promotion details available at waunafcu.org. Membership with Wauna Credit Union is required.

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Financial Resources For You

There are tons of impartial financial resources available out there from government entities. The trick can be wading through the muck to find the information you’re looking for. The Office of the Comptroller of the Currency put together a great list. Read below for information on everything from avoiding scams to games for kids to teach them about their finances.

Resource Corner

AchievABLE Corner
The National Disability Institute and CalABLE offer just-in-time financial education resources and tools for potential and current CalABLE account holders.

Age-Friendly Banking and Low- to Moderate-Income Older Adults: Standards for a Growing Market
This report from the National Community Reinvestment Coalition addresses the core features and standards of personal age-friendly banking accounts that allow older adults to remain banked and secure, weather financial emergencies, and save money.

Consumer.gov
This Federal Trade Commission website provides resources about credit, debt, identity theft, and avoiding scams, as well as budgeting, opening a bank account, shopping for prepaid cards, and managing money in general. The website is available in Spanish at www.consumidor.gov.

FDIC Deposit Insurance Education Materials
The Federal Deposit Insurance Corporation has made significant improvements to its deposit insurance education materials. The changes are designed to allow the public to quickly access basic information while still offering the traditional in-depth and comprehensive deposit insurance information.

Financial Scams Targeting Military Consumers
This infographic from the American Bankers Association Foundation and the Association of Military Banks of America identifies the top three riskiest scams targeting military consumers and what consumers can do to protect their money.

Focus on Native Communities Guide
This guide from the Consumer Financial Protection Bureau provides organizations with information that meaningfully connects the Bureau’s Your Money, Your Goals guides to the financial lives of Native community members.

IdentityTheft.gov
This Federal Trade Commission website helps people report and recover from identity theft. It is available in Spanish at Robodeidentidad.gov.

Misadventures in Money Management
The Consumer Financial Protection Bureau’s Office of Servicemembers Affairs offers this gamified, cutting-edge learning experience that trains current and future servicemembers to navigate financial land mines in a fun and interactive way.

MoneySKILL
The American Financial Services Association Education Foundation offers this online personal finance curriculum with 37 modules focused on a variety of topics, including income, expenses, saving and investing, credit, and insurance. The curriculum is available in Spanish.

MyMoney.gov
This U.S. Department of the Treasury website provides financial education information and resources from across the federal government. The website highlights MyMoney Five (which provides links to resources and tools related to five principles for managing money), a research clearinghouse, games for youth focused on money, and a section on financial choices for major life events.

NGPF Arcade
Next Gen Personal Finance offers seven online games that make personal finance come alive for middle and high school students.

OCC Financial Literacy Resource Directory
The resource directory provides information on financial literacy resources, issues, and events of importance to bankers, organizations, and consumers of all ages. The resource directory includes descriptions of, and contact information for, government programs on financial literacy education and capability and a sampling of organizations whose missions are to support financial literacy through campaigns, fact sheets, newsletters, conference materials, publications, and websites.

Older Americans Benchmarking Report
This report presents findings from the American Bankers Association Foundation’s 2019 Older Americans Benchmarking Survey which is designed to capture data on how banks educate older Americans, respond to fraudulent activity, and train their staffs to protect older customers.

Program for International Student Assessment: Financial Literacy Brief
This Consumer Financial Protection Bureau research brief helps stakeholders understand how the Program for International Student Assessment (PISA) financial literacy data about the United States may be used to identify effective approaches to financial education and better define metrics for success.

Protecting Older Consumers 2018–2019: Report of the Federal Trade Commission
This Federal Trade Commission report identifies scams perpetrated on older Americans and suggests steps to protect older consumers from fraud.

SEC Investor.gov Alerts and Bulletins
The U.S. Securities and Exchange Commission’s Office of Investor Education and Advocacy provides numerous news alerts and bulletins for individual investors. Learning how to invest wisely and safely can assist investors in reaching their financial and retirement goals. These reports help inform investors about fraud and other information relevant to investing in stocks, bonds, mutual funds, and other securities.

Tax Time: An Opportunity to Start Small and Save Up
This Consumer Financial Protection Bureau report discusses the results of the Tax Time Savings Initiative for the 2019 tax season.

Too Good to Be True Video
The U.S. Securities and Exchange Commission’s Office of Investor Education and Advocacy and Retail Strategy Task Force created this video, which shows common scamming tactics.

U.S. Financial Health Pulse: 2019 Trends Report and Interactive Web Site
This report from the Financial Health Network gives new insights into the financial health of Americans and offers financial services providers, innovators, policymakers, and researchers actional insights to improve financial health for all. The interactive website allows visitors to compare year-over-year trends and data.

Without a Trace
The U.S. Securities and Exchange Commission’s Office of Investor Education and Advocacy and Retail Strategy Task Force created this video, which urges skepticism when paying for investments with a credit card or wiring money abroad.

December Statement Insert Board of Directors

Transfer your balances to us and save

0% Intro APR* for 6 Months
Rewards APR After: 2.99% – 18.00%
Platinum APR After: 9.90% – 17.90%
Wauna Credit Union
24/7 Lending
waunafcu.org
800-773-3236
Federally insured by the NCUA
*The special 0% Introductory Rate applies to qualifying balance transfers processed through March 31, 2020. The Introductory Rate will begin on the date the balance transaction is processed and remain in effect for 6 billing cycles, at which time the terms of the cardholder’s Credit Card Account Agreement will apply. Current rate for VISA Rewards is 2.99%-18.00% APR, and for VISA Platinum 9.90%-17.90% APR. A Balance Transfer Fee equal to 3% of the total balance or $20, whichever is greater, will be assessed at the time the balance transfer is processed. Balance transfers from other accounts issued by Wauna Credit Union do not qualify for the special terms, or will any amount of debt which would cause the account holder’s credit card balance to exceed their credit limit. Failure to abide by the terms and conditions of the Wauna CU Credit Card Account Agreement may result in forfeit of the Introductory Rate. APR: Annual Percentage Rate. This special promotional offer ends at close of business March 31, 2020. Complete promotion details available at waunafcu.org. Membership with Wauna Credit Union is required.

Rebates for Every Individual

1%^ Cash back
60 Days No Payments

When you move your vehicle, watercraft, off-road, or unsecured loans to us.

^Special Promotional Terms: Upon loan approval, current and new Wauna CU members who refinance a qualifying loan currently financed elsewhere to Wauna Credit Union become eligible to receive: 1. Immediate Cash Rebate equal to 1% of the approved loan value; 2. 60-Days No Payments (interest will continue to accrue during the 60-day period); and, 3. Wauna CU will pay the vehicle title transfer fee up to $100 (member is responsible to pay any additional amount). Qualifying Loans: Auto, Truck, SUV, Van, Motor home, trailer, boat, watercraft, motorcycles, side-by-sides, quads, and unsecured loans such as home furnishings, tuition, personal loans, etc. Minimum loan amount to qualify for special terms: $2,000; Maximum rebate allowed is $500 per qualifying loan. These special, promotional financing terms end at close of business April 30, 2020. Rates & financing are offered based on applicant’s credit worthiness and term of the loan. Note: the promotional cash rebate paid to a member may be forfeit if the loan balance is paid in full within 180-days of the loan funding date. Membership with Wauna CU required to be eligible for this special offer.

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53rd Annual Meeting

Erlene Darby Learning Center 49249 Hwy 30, Westport, OR

Tuesday, March 17th, 2020, 6:30pm

Doors open at 6pm/Light refreshments served

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.

William “Bill” Delager, Incumbent, Birkenfeld

I am a lifelong resident of Oregon. I attended Clackamas High School, Oregon State University and I earned a PHO in Economics from Portland State University. I am married to Sheila, a high school classmate. We have two daughters and three granddaughters. I am retired from the Air Force and Air National Guard. Sheila is a retired CPA. We are enjoying retirement, tending our farm and active in volunteer activities. In the past I have served on the Mist-Birkenfeld Rural Fire Protection District Board, the Upper Nehalem Watershed Council Board and the Columbia Soil and Water Conservation District Board. I appreciate having had the  opportunity  to represent you on the  Wauna  Board these past eight years. I look forward to serving again. Thank you.

Erick Holsey, Incumbent, Clatskanie

I am interested in serving on Wauna  Federal  Credit Union  Board  of  Directors as an  opportunity  to  serve my  community  in the spirit of volunteering. I am a longtime resident  of Clatskanie,  a  graduate  of Clatskanie  High  School,  US  Army  veteran and currently employed at Columbia River  Fire & Rescue/Scappoose  Rural  Fire Protection  District. My  educational background is a Bachelor of Science in Fire Service  Administration  with  a  minor  in  chemistry  from  Western  Oregon University and A.A.S degrees in Fire Suppression, Emergency Medical Technology Paramedic, and Oregon Transfer  Degree from Chemeketa Community College. I have been  awarded  approximately  $900,000  dollars in  federal  grants to  include  a new fire engine for our  community. Throughout  my  residence  I  have  had  the  opportunity  to  serve  on  the  Clatskanie School Board as a director and on the budget committee, a member of the  Clatsop  County  Advisory  Board  for  Fire suppression and EMS programs, the Columbia County Fire Investigation Team, and the Lower Columbia Regional Training Association. My local civic memberships include the Veterans of Foreign Wars and American Legion. I believe that  my experience and education with public service provides myself a unique skill set that can  have  a  benefit  to  credit  union members and the community  in  which  I live.  As  a  frequent  customer,  I  have  always  been  greeted  by  friendly  staff, helped with all  types  of  financial  transactions  and  have  been  provided  sound  advice. I  would like to  take this  opportunity to provide some of my time into helping those  employees  continue  to  provide  that  service  while  encouraging  other community members to share my same experience.

Robin Clarke, Rainier

As a long-time member of WFCU, individually and for business, it would be my great pleasure to have the opportunity to not only continue learning about the credit union industry, but to also help the credit union’s continued growth  and  success in our local communities. I have been on the Supervisory Committee for three years and have seen WFCU grow into a strong financial institution. It supports and encourages individuals and businesses in our  area and this is such a  vital benefit to all of us in the region. I have developed a strong background in business and administration over many years and I believe I can add value as a member of the Board by having a broad general understanding of business practices and principles. Confidentiality, and having to make informed and sometimes  difficult decisions, are part of my  job to serve the best interests of our family businesses. This comes naturally to me, along with the energy and commitment to help in any way that will be a benefit to the Board and WFCU. I wish to continue my service beyond my current role as a member of WFCU’s Supervisory Committee and also serve on 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 6, 2020.

53rd Annual Meeting

Erlene Darby Learning Center 49249 Hwy 30, Westport, OR

Tuesday, March 17th, 2020, 6:30pm

Doors open at 6pm/Light refreshments served

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.

William “Bill” Delager, Incumbent, Birkenfeld

I am a lifelong resident of Oregon. I attended Clackamas High School, Oregon State University and I earned a PHO in Economics from Portland State University. I am married to Sheila, a high school classmate. We have two daughters and three granddaughters. I am retired from the Air Force and Air National Guard. Sheila is a retired CPA. We are enjoying retirement, tending our farm and active in volunteer activities. In the past I have served on the Mist-Birkenfeld Rural Fire Protection District Board, the Upper Nehalem Watershed Council Board and the Columbia Soil and Water Conservation District Board. I appreciate having had the  opportunity  to represent you on the  Wauna  Board these past eight years. I look forward to serving again. Thank you.

Erick Holsey, Incumbent, Clatskanie

I am interested in serving on Wauna  Federal  Credit Union  Board  of  Directors as an  opportunity  to  serve my  community  in the spirit of volunteering. I am a longtime resident  of Clatskanie,  a  graduate  of Clatskanie  High  School,  US  Army  veteran and currently employed at Columbia River  Fire & Rescue/Scappoose  Rural  Fire Protection  District. My  educational background is a Bachelor of Science in Fire Service  Administration  with  a  minor  in  chemistry  from  Western  Oregon University and A.A.S degrees in Fire Suppression, Emergency Medical Technology Paramedic, and Oregon Transfer  Degree from Chemeketa Community College. I have been  awarded  approximately  $900,000  dollars in  federal  grants to  include  a new fire engine for our  community. Throughout  my  residence  I  have  had  the  opportunity  to  serve  on  the  Clatskanie School Board as a director and on the budget committee, a member of the  Clatsop  County  Advisory  Board  for  Fire suppression and EMS programs, the Columbia County Fire Investigation Team, and the Lower Columbia Regional Training Association. My local civic memberships include the Veterans of Foreign Wars and American Legion. I believe that  my experience and education with public service provides myself a unique skill set that can  have  a  benefit  to  credit  union members and the community  in  which  I live.  As  a  frequent  customer,  I  have  always  been  greeted  by  friendly  staff, helped with all  types  of  financial  transactions  and  have  been  provided  sound  advice. I  would like to  take this  opportunity to provide some of my time into helping those  employees  continue  to  provide  that  service  while  encouraging  other community members to share my same experience.

Robin Clarke, Rainier

As a long-time member of WFCU, individually and for business, it would be my great pleasure to have the opportunity to not only continue learning about the credit union industry, but to also help the credit union’s continued growth  and  success in our local communities. I have been on the Supervisory Committee for three years and have seen WFCU grow into a strong financial institution. It supports and encourages individuals and businesses in our  area and this is such a  vital benefit to all of us in the region. I have developed a strong background in business and administration over many years and I believe I can add value as a member of the Board by having a broad general understanding of business practices and principles. Confidentiality, and having to make informed and sometimes  difficult decisions, are part of my  job to serve the best interests of our family businesses. This comes naturally to me, along with the energy and commitment to help in any way that will be a benefit to the Board and WFCU. I wish to continue my service beyond my current role as a member of WFCU’s Supervisory Committee and also serve on 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 6, 2020.

 

Wauna Credit Union Opens New Branch in Forest Grove

Forest Grove, Ore., December 19,  2019 – Area financial cooperative, Wauna Credit Union (WCU) is opening the doors to its newest branch this month, nestled in the heart of Washington County in Forest Grove, Oregon at the corner of Pacific Avenue and Highway 47.

The $260 million credit union is redefining their retail strategy by building new and remodeling existing branches, which boast the latest technology, open design concept, and more relaxed and inviting service spaces. The branch embraces modern fixtures, hardwood flooring, bright and colorful design, and digitial innovation. 

“Change is important because the way people do business now is significantly different than even a year ago,” said WCU Chief Marketing Officer, Debi Smiley. “We realize that we have to make decisions for the banking of tomorrow, so we are not building for now, we are building for the future,” she said.

Branch exterior
The brand new building captures the spirit of the community

Additionally, WCU continues to work with their partners by implementing a relationship building training program, ensuring front-line staff understands how to interact with members regarding the new strategy. WCU has coined the training program, the “Wauna Way” and will be implementing a relationship building service approach in all 9 branches throughout their footprint.

“Bringing cooperative financial services to a new community, with new oppertunities to change peoples’ lives, is what excites us most,” said WCU Forest Grove Member Services Manager, Nick Hellmich.

Branch interior
The branch boasts the latest technology, open design concept, and more relaxed and inviting service spaces.

“The technology, our Wauna Way, and the awesome staff here will only serve to bring great things to Forest Grove and the surrounding areas,” added Hellmich.

One of the tech features includes a core-integrated, self-service kiosk station, which WCU has named “The Discovery Bar.” The Discovery Bar hosts three, touch screen digital displays, combining self-service, assisted-service, and full-service capabilities all into one solution. The technology further assists frontline by focusing on consultative conversations rather than strictly transactional. The branch also incorporates two Video Teller Units on premise, instead of the conventional teller window drive-up.

WCU will host a grand opening extravaganza on January 30th, 2020. The event will showcase the many features of the new branch, as well as a myriad of activities and treats for the Forest Grove community.

It’s For the Kids – Helping DHS Spread Cheer

Michael recently talked about the Power of Giving. It’s our third year giving each employee $50 to give back as they see fit. Some of our employees donated to local charities, others donated to families in need, and others still simply chose to buy groceries for a stranger at the grocery store, or give an extra tip to their favorite server.

Amy Grubb, Member Services Manager of the Scappoose Branch, saw an opportunity. Every year, the Columbia County Department of Human Services organized a giving tree for local children in need. “We always had the donation tags in our branch, and members and employees had always looked forward to helping those in need. This year I realized the tags never came.”

Amy learned that the department was severely understaffed. The caseload usually managed by five people was instead being done by just two people. The team simply hadn’t had the ability to manage the giving program.

There were other groups within DHS that had their own giving trees, but Amy knew there were families that counted on the donations from WCU.

“Even though we didn’t know their names, their are families that counted on Wauna Credit Union,” said Amy. “I had to do something.”

Amy reached out to the rest of the credit union with a plea. She asked that those who had not yet earmarked their donation for another cause pool their money to buy gifts for the families.

“It was so great to see the credit union come together. Especially in Columbia County, we saw so many donations. Because we got so much in donations, we were able to buy gifts for kids aged 6-months to 17-years-old.”

Amy and St. Helens MSM Melissa get ready for a big night of wrapping

Amy’s perseverance showed what can happen when credit unions live up to the mantra of people helping people.

Fraud Alert: Take the Time to Protect Yourself

We have had at least three instances in the last 24-hours of fraudsters reaching out to WCU members from a phone number that appears to be our legitimate 800 number and trying to trick them into providing information to compromise their account. Below is a summary of the scam, and what to do to protect yourself.

Once connected, the fraudsters claim to be our fraud department and attempt to collect additional information about the accounts by making up a fake “fraudulent” transaction. They then ask the member to confirm full card number, expiration date, the three digits on the back of the card, and social security number.

The fraudsters then say they will block the card to set the member at ease, and then using the information they have stolen to create a fake card, reset the PIN, and then going on a shopping spree.

The best way to fight against this is by not giving any personal information to somebody who calls. Simply hang up and call us back at 800-773-3236 Even if it’s after hours you will be connected to a trustworthy source. Remember even if it is a legitimate call from our Fraud Department they will understand when you say you want to call us back/

Here are some key things to remember:

  • We will never ask for personal info to confirm your identity if we are the ones calling
  • We do not have your CVV (three numbers on the back of your card) on file, and will never use it to confirm your identity
  • We will never call more than three times to try to confirm fraud
  • We do not currently send out text messages, and if we start they would come from a short code (being a simple five digit number) and not a full phone number
  • Our fraud number is not our regular 800 number – but you can call that and follow the prompts to get the fraud department –department would NOT be calling from our 800 number as shown below. 

Here is an example of one of our members activities from last night. This fraudster called 22 times, and sent a text from a full phone number.  Luckily the WCU member was aware of the fraud signs and what to look for, and waited to come talk to us this morning rather than responding to the calls or message.