Financial institutions in our footprint have been experiencing increased credit card fraud over the last week. Just like most instances of fraud, the scammer isn’t doing anything unique, but they’re using their knowledge of credit cards, to trick members into divulging just enough information to take over their account.
The scam goes like this. A member receives a call purporting to be from WCU Fraud. It looks legitimate. The call is coming from our 800 number, but guess what? Spoofing a number is child’s play for an experienced scammer. The scammer then asks the member to verify three (made up) purchases. Now they have you on the hook, they ask for your full card number (never give this), the three digit number on the back of your card (that’s another one to never give out on a call you didn’t initiate), and the last four of your social security number.
Now comes the pièce de résistance, the scammer says they’ll issue you a new card number, and you get a notification on your phone confirming the exchange. It really looks real. Do you know why? It is. The entire time the scammer has been interacting with the member, they’re also on the phone with the credit card company. You’ve just given them everything they need to get a replacement card, but by the time the new card is in the mail, the scammer has loaded the card into a digital wallet and gone on a spending spree.
It’s clever isn’t it. The entire exchange isn’t much different than a normal call you might get if we want to make sure some purchases just made were legitimate. So what’s the one simple trick? If you get a call, and you aren’t sure about it. All you have to do is say you’re going to hang up and call the number on the back of your card. For a legitimate inquiry, that’s no problem, but for a scammer, it’s the end of their plan, because even though they can spoof our phone number, they can’t answer a direct call to it. That still comes to us, and we can verify whether there are real questions about your card or not.
It can be tricky to stay safe, but know we’re always here to help.
We’ve pretty much wrapped up our 2022 activities, but on January 5th we had one last important thing to do. It may have been raining outside, but inside it was all sunshine, as members of the team presented a $23,522.47 to Michelle’s Love.
Michelle’s Love is a great local organization focusing on providing support to single parents who are going through cancer treatment. Michelle’s Love aims at helping make the life of cancer patients just a little bit less stressful, by doing things like making sure mortgage and car payments are made.
Every year the credit union picks a local charity to support. Employees can chose to have a portion of their salary automatically donated. In addition, we’ll have raffles, contests, and other events to drive support.
This year, our employees elected to support local foodbanks. WCU employees already volunteer to help prevent food insecurity, and know the need the food banks provide for our communities.
OUR 56TH ANNUAL MEETING WILL BE HELD ON MARCH 7TH AT 6:30pm 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.*
WILLIAM “BILL” DEJAGER: INCUMBANT MEMBER SINCE 2010 • BIRKENFELD, OR I am a lifelong resident of Oregon. I attended Clackamas High School, Oregon State University and I earned a PHD 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 garden 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 CU Board these past years. I look forward to serving again. Thank you.
ROBIN CLARKE MEMBER SINCE 1997 • RAINIER, OR As a longtime member of the credit union and current volunteer on the board, I would welcome the opportunity to continue to serve the membership and community. I grew up in Clatskanie, graduated from CHS and have a Bachelors in Business Information Systems from Linfield University. My husband Marc and myself have been running a family contract logging and log hauling business for 30 years now. We have two grown daughters, three grandsons, and one granddaughter. We live locally in the Rainier area. I am a past board member of the Rainier Drainage district and welcome the opportunity to serve, and improve our communities. I am interested in continuing to serve on the Wauna Federal Credit Union Board of Directors. It is an opportunity to serve my community in the spirt of volunteering. I believe that my experience and education with public service provides a unique skill set that can be beneficial to credit union members and the community in which I live. As a frequent member, I have always been greeted by friendly staff, helped with all types of financial transactions, and given advice. I would like to take this opportunity to provide some of my time to help those employees continue to provide that service while encouraging other community members to share my same experience.
ERICK HOLSEY MEMBER SINCE 2001 • CLATSKANIE, OR I am interested in continuing to serve on the Wauna Federal Credit Union Board of Directors. It is an opportunity to serve my community in the spirt of volunteering. I believe that my experience and education with public service provides a unique skill set that can be beneficial to credit union members and the community in which I live. As a frequent member, I have always been greeted by friendly staff, helped with all types of financial transactions, and given advice. I would like to take this opportunity to provide some of my time to help those employees continue to provide that service while encouraging other community members to share my same experience.
5.12% APY* on a 13-month saves certificate with one time bump-your-rate option *APY: Annual Percentage Yield. This special certificate account is open to new money only. The published APY is accurate as of December 19, 2022. Members may contact the Credit Union for further information on applicable fees and terms.
*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. Petition applications must be received by close of business on January 21, 2023. Federally insured by NCUA.
REUNIÓN ANUAL Y AVISO PARA LOS NOMINADOS DE LA JUNTA NUESTRA
56ª REUNIÓN ANUAL SE LLEVARÁ A CABO EL 7 DE MARZO A LAS 6:30pm ERLENE DARBY LEARNING CENTER | 49249 HWY 30 | WESTPORT, OR La Junta Directiva ha aprobado tres nominados para tres puestos en la Junta Directiva de las solicitudes presentadas por los miembros. Sus nombres e información biográfica se incluyen a continuación.*
WILLIAM “BILL” DEJAGER: INCUMBENTE MIEMBRO DESDE 2010 • BIRKENFELD, OR He vivido en Oregon toda mi vida. Asistí a la Preparatoria Clackamas (CHS), la Universidad Estatal de Oregon y obtuve un doctorado en Economía de la Universidad Estatal de Portland. Estoy casado con Sheila, una compañera de preparatoria. Tenemos dos hijas y tres nietas. Soy jubilado de la Fuerza Aérea y la Guardia Nacional Aérea de los Estados Unidos. Sheila es una contadora pública jubilada. Actualmente estamos dedicados a disfrutar de nuestra jubilación, cuidar nuestro huerto e involucrarnos activamente en actividades de voluntariado. Hace unos años, presté servicios en la Junta del Distrito de Protección contra Incendios Rurales de Mist-Birkenfeld, la Junta del Consejo de la Cuenca de Upper Nehalem y la Junta del Distrito de Conservación del Suelo y el Agua de Columbia. Agradezco inmensamente haber tenido la oportunidad de representarlos en la Junta Directiva de Wauna estos últimos años. Espero poder tener la oportunidad de servir nuevamente. Muchas gracias.
ROBIN CLARKE – MIEMBRO DESDE 1997 • RAINIER, OR Como miembro de esta cooperativa de ahorro y crédito desde hace mucho tiempo y voluntaria actual en la Junta directiva, agradecería la oportunidad de continuar sirviendo a los miembros y comunidad. Crecí en Clatskanie, me gradué de la Preparatoria Clatskanie (CHS) y tengo una licenciatura en Sistemas de Información Comercial de la Universidad de Linfield. Mi esposo Marc y yo llevamos 30 años administrando un negocio familiar de tala de árboles y transporte de troncos. Tenemos 2 hijas adultas, tres nietos y una nieta. Actualmente vivimos en la zona de Rainier. Serví como miembro de la Junta del Distrito de Rainier Drainage y me encantaría tener la oportunidad de servir y mejorar nuestras comunidades.
ERICK HOLSEY MIEMBRO DESDE 2001 • CLATSKANIE, OR Me encantaría continuar sirviendo en la Junta Directiva de Wauna Federal Credit Union. Es una oportunidad de servir a mi comunidad por medio del espíritu de voluntariado. Siento que mi experiencia y educación en el servicio público, me brindan un conjunto de habilidades único que puede ser beneficioso para los miembros de las cooperativas de ahorro/crédito y la comunidad en la que vivo. Como miembro frecuente, siempre he sido recibido por un personal amable, ayudado con todo tipo de transacciones financieras y consejos. Me gustaría aprovechar esta oportunidad para brindar parte de mi tiempo en ayudar a esos empleados a continuar brindando ese servicio amable y animar a otros miembros de la comunidad a tener una experiencia similar a la mía.
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*Las elecciones no se llevarán a cabo mediante votación y no habrá nominaciones por parte del público en la reunión anual cuando el número de nominados sea igual al número de puestos por cubrir, que es la situación actualmente. Cualquier miembro que desee postularse para la Junta puede hacerlo ahora solo mediante una nominación por petición firmada por 270 miembros de la cooperativa de ahorro y crédito que tengan al día 18 años de edad o más. 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 21 de Enero de 2023.
Every year, our CEO Robert Blumberg composes his thoughts on where we as a credit union our heading, and what he thinks about when working to ensure Wauna Credit Union will be the local choice offering top-notch services to the people who call Columbia River communities home.
Every year, I extend a simple thank you to you, our member-owners. It’s something I look forward to a great deal, because without you, we wouldn’t be here. Wauna Credit Union is grateful that you have joined the credit union movement, and helped us keep your money local.
As some of you may know, I was born and raised in South Africa. Experiencing the new traditions of my adopted country over the last 40 years has been incredibly rewarding. Thanksgiving is one of those traditions I hold quite dear. As I gathered with my family last week, I thought about how Thanksgiving is not just expressing your thanks, but making the implicit promise to those at the table with you, that you will be in their corner no matter what. Today I make that promise to you. The future is unknown, but no matter what happens, Wauna Credit Union will continue to be here for our members.
The credit union is here to help our members with whatever they need. That means if you’re looking to take advantage of the rising dividends on deposit accounts, or if you want a loan for a purchase or to consolidate debt, we are here. We promise to always treat people as individuals, because that’s what you are.
Again, thank you for being a member-owner of Wauna Credit Union, Remember, we are here to serve our members, our friends, our communities, and our family.
Robert Blumberg, President and CEO Wauna Credit Union
I may be dating myself with this, but my first professional job was working at a call center recharging prepaid phone cards. The company worked with Walmart, Costco, and Starbucks. It was a great idea. Instead of getting a new Starbucks card, you simply had to call, wait on hold, give us the number on the back of your card, your credit card number, and some personal information.
Flash forward an undefined number of years, and, after placing my order at the Starbucks drive thru, I noticed I didn’t have enough money on my card. Adding money now simply took me clicking on button to bill my linked credit card, and verifying with my face. Advances in technology cut the reload time from five minutes to 30 seconds. More importantly though, I didn’t lose any in-person time with a Starbucks employee. I still received a cheerful hello as I made my order, and a smile as I was handed my drink and breakfast sandwich.
At WCU, we aim to take the same approach with our technology. Yes, using U-banking app and online banking makes things quicker, but the reason we strive to have the best technology, is it gives us more face-to-face time with our members. When you use your app to remotely deposit a check, it gives the Member Consultants in our branches more time to counsel people who want to know more about getting a loan for a new car, or learn about our investment and insurance options.
Our Video Teller Units allowed us to expand our arrows, while still being able to hire local and give people an actual person to talk to. It’s not about the technology, and all about what the technology enables.
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.
CALL FOR BOARD NOMINATIONS & NOTICE OF ANNUAL MEETING
OUR 56TH ANNUAL MEETING WILL BE HELD ON MARCH 7TH AT 6:30pm AT THE ERLENE DARBY LEARNING CENTER | 49249 HWY 30 | WESTPORT, OR
Candidate applications are now available for our volunteer Board of Directors. Apply by picking up an application at your local branch, by mail, or by visiting waunafcu.org/about/annual-elections. Please submit your completed application by close of business on [Monday, November 8th]. You are welcome to deliver applications in person to any branch or by mail: Governance Committee, PO Box 67, Clatskanie, OR 97016. Please contact email@example.com with any questions. There will be an option to attend this meeting virtually.
DIRECTIVA Y AVISO DE NUESTRA REUNIÓN ANUAL
NUESTRA REUNIÓN ANUAL SE LLEVARÁ A CABO 7 DE MARZO DE 2023 A LAS 6:30pm ERLENE DARBY LEARNING CENTER | 49249 HWY 30 | WESTPORT, OR CONVOCATORIA DE NOMINACIONES DE NUESTRA JUNTA
Las solicitudes para candidatos ya están disponibles para esta junta directiva voluntaria. Las solicitudes estan disponibles en su succursal local o’por correo y tamiben visitando la website de waunafcu.org/about/annual-elections. Envíe su solicitud, antes del cierre de operaciones el [8 de Noviembre]. Personalmente o por correo en nuestras surcrsales. Lugar, PO Box 67, Clatskanie, OR 97016. Si tiene preguntas por favor de comunicarse cone al comite de Gobierno: firstname.lastname@example.org. Habrá una opción para asistir a esta reunión virtualmente.
WCU Member consultant Jaleese could tell right away that the member walking into the Astoria branch was under a lot of stress. “Sometimes you can just tell,” she said. “Once he got to the counter, I knew immediately why.”
The member was looking to get a cashier’s check for almost $10,000 in order to post bail for his grandson in California. Something about the story didn’t sound right to Jaleese. As part of her training, she studied the different types of financial scams, and the member’s story had some of the indicators of a classic fraud. There was a ton of urgency placed on the member, after all his grandson was sitting in a jail cell, and bail can only be paid with cash or a cash substitute, that means once it’s handed over, there’s no way to get the money back.
Jaleese was suspicious. She talked with the member and he agreed to let her try to find out a bit more. He told her the name of the county in California he was told the jail was in, and Jaleese went to work. She contacted the county, as well as multiple local bail bonds services. None of the places she called were able to confirm the nephew was lodged in a local jail.
Unable to confirm any of the details the member was told, Jaleese was pretty sure it was fraud. She went over her suspicions with the member, and he agreed to contact his grandson, and the grandson’s parents before getting the cashier’s check. Later in the day, Jaleese got the call she was expecting. The grandson was fine. The member was relieved, and more importantly, he didn’t lose his hard-earned money.
“It really bothers me that people pray on other people by putting them in a stressful situation,” Jaleese said. “I was really happy to hear everything was okay. The great thing about working for a local company is we can take the time to make sure we’re doing everything we can to help people. Usually that means helping them get something they need, but saving somebody that much money really made my day.”
There are milestones, and then there are MILESTONES. This year we awarded $12,500 in scholarships to deserving students. That means we’ve now granted more than $400,000 in scholarships to area students.
The 10 students from seven area high schools and three college recipients come from all walks of life, plan to start a variety of careers, and are unique in many different ways. They do have one thing in common though, they’ve all earned their scholarship. WCU CEO Robert Blumberg said it best “There are so many qualified and intelligent young people out there. It’s always inspiring to read through their journeys.”
WCU’s scholarship recipients are selected based on a variety of factors, including scholastic achievements, community involvement, extracurricular activities, and financial need. WCU services a large population of low-income families and so the need for financial assistance in the community is high.
Let Your Home Pick up the Bill Whatever You’re Dreaming, A HELOC Can Make it Happen Plus get a $50 Gift Card* Wauna Credit Union 24/7 Lending NMLS #421867 waunafcu.org 800-773-3326 *Upon loan approval, current and new members who open a new home equity line of credit will receive a $50 gift card to a home improvement store of their choice. Retailers will vary by location and availability. These terms are subject to change without notice. Rates & financing are offered based on applicant’s credit worthiness and term of the loan. This promotional offer ends on June 30, 2022. Membership with Wauna CU required to be eligible for this special offer. Federally insured by NCUA. Equal Housing Lender
Deja Que Tu Casa Pague La Cuenta Todo Lo Que Has Soñado, Un HELOC Lo Puede Hacer Realidad Recibe una tarjeta de regalo de $50* Wauna Credit Union Préstamos 24/7 NMLS #421867 waunafcu.org 800-773-3236 *Sobre aprobación de tu préstamo, todos los miembros que abren una nueva línea de crédito de capital para viviendas van a recibir una tarjeta de regalo de $50 para una tienda de renovaciones en tu área. Los minoristas varían según la ubicación y la disponibilidad. Estos términos están sujetos a cambios sin previo aviso. Las tasas y el financiamiento se ofrecen en función de la solvencia crediticia del solicitante y el plazo del préstamo. La promoción termina el 30 de junio, 2022. Necesitas ser miembro con Wauna Credit Union para ser elegible para esta oferta especial. Asegurado federal por NCUA. Equal Housing Opportunity