Questions to Consider When Buying a Vehicle

Our VP of Consumer Lending Norm Dufton has spent over 25 years helping people buy cars. He was nice enough to write out some of his thoughts on car buying.

So often done at the spur of a moment, buying a car can be an emotional action. This normally ends in a buyer overpaying for a car that may not be what they want. It’s important to ask yourself some important questions.

Did it live in Canada or the Northern US?

We appreciate our mild winters here, but Being in the far north, they have road salts and the unusual factor of “hours” on the engine. This isn’t always obvious in the miles driven, but cars run to keep warm.

Did you run a Carfax or Autocheck

This can have valuable info about previous accidents, where the car came from. It also often has maintenance records. This will catch most repairs, but it’s important to remember that these aren’t a guarantee that there have no accidents. Work by small shops that do the repair for cash, or even from a car rental may not be reported.

How many owners has it had?

While it’s certainly not true for every vehicle, the more owners a car or truck has had, the more likely it is to have issue. A multiple owner vehicle hurts resale value when you’re ready to sell. That doesn’t mean a multiple owner car or truck isn’t a good deal, just make sure you are aware of its history, and factor that history into the price you pay.

Has it been reconditioned?

Reconditioning is the process done by many high-quality lots where they have the car evaluated, back maintenance and repairs made. Most of the cars on Wauna Car have been reconditioned. They may touch up scratches. Is the car for sale private party? From a new car franchise? From a car lot that just has inexpensive cars? With private party cars and some small lots with inexpensive cars may or may not do reconditioning. How can I know if these things have been done? You may not. Some lots just clean a car, band aid any needed repairs and sell the car.

Am I paying market value?

This too is a tough thing to know. There are places like Kelley Blue Book and the NADA guide. These are good estimates of value and are often used by lenders to figure how much they will lend. These guides are very good for vehicles that have a lot of comparable sales and have normal miles. They do their best, but if a car doesn’t have many comparable sales, they can be off, high or low. A good example is a car with high miles. There is a mileage adjustment, but it does take condition or how marketable a car will be if resold. Our lending team can help with the value of a vehicle if needed.

Will maintenance be expensive?

When buying a car, where its bought, the condition, the miles, the level of maintenance. If its dependable, what will it cost to insure? Is maintenance expensive? I did some research and was surprised to find the Chrysler Sebring, Chevy Cobalt, Subaru Forrester, Ram 1500, Dodge Grand Caravan, Mazda 6 were all in the top 20 for most expensive cars to maintain. While the least expensive were the Prius, Kia Soul and other small cars. The credit union does offer service contracts that can help offset the cost of unexpected vehicle issues, but remember that his always optional, whether you get your car through us or somebody else. And if somebody does make it mandatory, take that as a cue to run away.

This is why one should take their time, consider, narrow things down and check on the models you like, then start the search.

How can I confirm the vehicle I am looking to purchase is in good, working order?

Find a good deal on a well-planned choice to take the emotion out of buying a car. Use a used car checklist, and have the vehicle looked at by a disinterested 3rd party. You can find a lot online, but this one from Nationwide is a good one. Your personal mechanic if you have one will be best. Don’t use a shop recommended by the seller. They may be associated.

What should I consider when purchasing my first car?

For your first car, you should consider reliability and a car you can have a strong expectation of low cost of ownership. This way you don’t have many unexpected costs for repairs. Low miles and newer instead of trying to find what you really want. Give yourself some experience with car payments and other costs of ownership.

Welcome to Wauna Credit Union Car Corner

Whether you’re buying your very first car, or your fifteenth, there’s always questions to be asked. After 25 years of helping the residents of Clatsop, Columbia, Western Washington and Pacific counties, the fine folks at Wauna Credit Union have seen a car purchase or two.

We of course would love it if you wanted to finance a car through us, either through our online car portal Wauna Car, or by talking to one of our helpful in-branch or Virtual Branch Member consultants. The thing that’s most important to us though is that you have all the information you need when you’re looking to buy.

Below are some blog entries from the team to help you on your car or truck buying adventure.

Bootiful Pet Costume Contest

We all know that each of us has the coolest, cutest, and most photogenic pet. Well now, through the end of October In partnership with Cascade Crest Insurance we’re announcing our Bootiful Pet Costume Contest.

Simply post a picture of your dog, cat, horse, or even iguana in their favorite costume to this Facebook post to enter. The post with the most reactions wins $50, and 2nd and 3rd place will also win prizes. (For the full rules click here.)

Why a pet costume contest you ask? That’s a great question. It’s not just because Wauna Credit Union Members now get a 5% discount on Pet Insurance. Thanks to Cascade Crest Insurance. We wanted to raise awareness of a very important item. Did you know that Halloween is actually one of the most dangerous times of the year for pets? With all the noise and comings and goings, it’s actually the second most common holiday for pets to get lost. 

Halloween Facts about Pets

September 2019 Anniversaries

Audrey McTague – 6 years

What is your current position?
I am a Training Specialist II (just promoted). My main job is to teach our member consultants how Wauna Credit Union does loans, specifically but not limited to, The Fundamentals of Lending, Understanding the Credit Report, the Art of an Interview, as well as how to use our back-end systems. I have also learned to do onboarding new employees and new account opening as well.

What is something that working at WCU has taught you?
I have learned the power of really reading the credit report and deciphering what’s really going on with the members finances. Bad things happen to good people and it’s up to us to find a solution rather than automatically declining a loan.

If you could choose one new hobby what would it be?
I would love to start hiking at all national parks in Washington & Oregon.

Laura Lovegren – 4 years

What is your current position?
I am the Operations Support Manager. My day includes making sure all the behind the scene wheels are turning. We do everything we can to make sure electronic services happen smoothly, and we are a first line against protecting our members from fraud.

What is something that working at WCU has taught you?
My very favorite thing about working for Wauna is that it is a learning organization. I have worked several different positions within the credit union and am currently in my “dream job”. I was encouraged by mentor to find my Blue Flame and the place where I burn the brightest. Operations is an are I am passionate about and feel I can thrive.

If you could choose one new hobby what would it be?
If I could choose a new hobby it would probably be to spend more time at concerts. I could easily hit the road and follow some of my favorite artists around the country.

Hannah Coffey – 3 years

What is your current position? 
I’m currently a Member Consultant Level II in the Astoria Branch. Every year my job changes, and everyday I learn new ways to assist our members with their daily needs, whether it’s basic transactions, new accounts, loans, or whatever else they need to build their financial well-being.

What is something that working at WCU has taught you?
When I first started at Wauna, I mainly did teller transactions. Now I’m closing out my third year here and have learned so much – too much to list in a couple of sentences. Throughout my time here I’ve definitely grown as an individual as well as a team player, and have found new ways to improve relationships with everyone I talk to, in addition to tasks within the credit union.

If you could choose one new hobby what would it be?
If I could choose a new hobby outside of traveling (which I always want to do more of), it would definitely be skydiving. I’ve gone once before, but can only imagine how cool it would be to do it on a regular basis and eventually be able to go by myself.

Hannah is always up to take a hike

Lidia Sanchez – 3 years

What is your current position?
I’m a real estate loan processor out of the Astoria branch. My job is to assist the real estate loan officers on the Coast while also assisting members with their mortgage lending needs, like home equity loans or purchasing/refinancing. I also go out in the community and build relationships with our business partners.

Lidia loves spending time with her son and showing him what makes the coast so special

What is something that working at WCU has taught you?
My journey with the credit union started in 2014 and I’ve been in many different roles since I’ve been here but I am definitely loving my current position and all of the things I’ve learned while working in the mortgage department. While helping members build their financial well-being, I’ve learned how to better myself financially and that helps me while assisting members because I can speak from experience. I also know what to expect when the time comes for me to buy a house.

If you could choose one new hobby what would it be?
Photography would be my hobby. I love being creative and finding beauty in unexpected places and to be able to take pictures of what I find interesting or beautiful and share them with people would be so rewarding.

Michael Murdoch – 2 years

What is your current position? 
I’m the credit union’s Communication Specialist. What I love most about this position is that more often than not my voice gets to be the voice of the organization. It’s truly charming to open a paper or online article and observe your words out there for all to see – it’s quite the opposite to find a typo, however.

Michael and elephant
Michael visits his old pet Stampy

What is something that working at WCU has taught you?
People are people and they are dynamic and thoughtful and wonderful and sometimes not so wonderful. To be constantly educating and reeducating yourself so that you might better serve another (sometimes someone you may never meet) is a forever-learning experience.

If you could choose one new hobby what would it be?
Train-surfing. I know, I know, it sounds nutty; but I love to travel and have surfed one train south of Paris and another in Guangzhou, China. I’d love to train-surf the Siberian Railway, but I would also become an ice-block during this venture, so maybe my hobby then could be cooling really large drinks.

Others

  • Danea Passmore – 14 Years
  • Ian Wiggins – 5 Years
  • Brittany Warren – 4 Years
  • Ericka Barnett – 2 Years
  • Brady Leach – 1 Year
  • Ro Allison – 1 Year

September 2019 Statement Insert: Call for Nominations

Call for Board Nominations

Candidate applications are now available for the Wauna Credit Union volunteer Board of Directors. Learn more and apply today. Retrieve an application at your local branch, by mail, or by visiting waunafcu.org/about/annual-elections.shtml.

To be considered by the Board Nomination Committee, submit completed applications by close of business on Friday, November 8, 2019. Applications may be delivered in person to any branch or by mail: Attn. Governance Committee, PO Box 67, Clatskanie, OR 97016. Our 53rd Annual Meeting will be held on Tuesday, March 17th, 2020 at 6: 30 pm at the Erlene Darby Learning Center, located at 49249 HWY 30, Westport, OR.

Contact the Board Governance Committee at gcomm@waunafcu.org if you have questions.

Wauna Credit Union
24/7 lending
waunafcu.org
800-773-3236

International Credit Union Day

October 17th
Local Service Global Reach
Refer a friend in October and you’ll each receive $50
Visit waunafcu.org or any branch for complete Refer a friend qualification details.

We WaunaCU Now!

Bank from anywhere through live video chat with WaunaCU Now.
Same great staff, wherever you go.

Cascade Crest Insurance

Auto, home, life, business
Get a free insurance quote today
Coverage you deserve
Rates you can afford
All from an agency you can trust

August 2019 Statement Insert

Wauna Credit Union
24/7 Lending, waunafcu.org, 800-773-3236
Federally Insured by the NCUA

Visa for Every Individual

Cascade Crest Insurance
Protect yourself, your family, and your wallet
Compare our rates
Get a free insurance quote today!
Home, Auto, Business, Life, Specialty
Request a free insurance quote today!
Call 503-728-4391
www.cascadecrestinsurance.com

Individuals 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

Working Against Fraud

Wauna Credit Union’s mission is to provide opportunities for members to build their financial well-being. Usually that means helping you find opportunities to better your financial situation, whether that’s helping you find a way to grow your savings, or helping you get a lower-rate loan to make the thing you need affordable. Sometimes though that means helping make sure you don’t lost money. That’s why this information about preventing check, 419 Fraud and advanced payment fraud from the FBI really stood out to us.

  • Is the check from an item you sold on the internet, such as a car, boat, jewelry, etc?
  • Is the amount of the check more than the item’s selling price?
  • Did you receive the check via an overnight delivery service?
  • Is the check connected to communicating with someone by email?
  • Is the check drawn on a business or individual account that is different from the person buying your item or product?
  • Have you been informed that you were the winner of a lottery, such as Canadian, Australian, El Gordo, or El Mundo, that you did not enter?
  • Have you been instructed to either “wire” “send” or “ship” money, as soon as possible, to a large U.S. City or to another country, such as Canada, England, or Nigeria?
  • Have you been asked to pay money to receive a deposit from another country such as Canada, England, or Nigeria?
  • Are you receiving pay or a commission for facilitating money transfers through your account?
  • Did you respond to an email requesting you to confirm, update, or provide your account information?

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

Don’t Let School Supplies Break the Bank

Has it been a long hot summer with the kids home from school for what now seems like an eternity? While parents mostly enjoy the lazy days of summer with the gang at home, by August many are more than ready to usher them back to school – until they realize the cost of sending the brood back to the books has become more exorbitant than last year.

As students gear up to go back to school and college, families this year will plan to spend more than ever on supplies ranging from pencils and backpacks to computers and dorm refrigerators—according to an annual survey released in July by the National Retail Federation.

It predicts record spending for back to school supplies in 2019: families with children in elementary school through high school plan to spend an average $696.70. Families with college students are expected to spend an average $976.78.

Have two kids in high school and another in college? That’s $2,370.18 on back-to-school supplies and gear – not including tuition and housing.

According to the survey, clothing and accessories will top K-12 families’ expenses at an average $239.82, followed by electronics such as computers, calculators, and phones ($203.44); shoes ($135.96); and supplies such as notebooks, pencils, backpacks, and lunch boxes ($117.49). Yikes!

So how can parents save?

The key is to plan ahead.

Even year-round—so you don’t feel the sting of shelling out oodles on back-to-school necessities at one time. Don’t wait for last-minute August purchases when prices are inflated. Buy supplies on sale during off months.

Create a wardrobe budget

And stick to it. What clothing items or accessories are already in your closet and perfectly recyclable? Help kids shop their closets and assess what’s already there, what can be repurposed, and what small accessories would really spice up the look.

Consider a back-to-school clothing allowance

One for each child. They can update current outfits and pieces in their own style. Help them understand how much different items cost and how to shop the sales to find the perfect addition to their own personal look.

Shop off-season for clothes and accessories

You know the drill. In the summer, retailers put end-of-season clothing and accessories on sale to make way for the coming change in seasons and styles. So, be sure to take advantage of those sales. Buy warm weather gear on sale in the fall and winter, and stock up on cold weather items early summer.

Spread out purchases

Remember what it’s like to pay for all of the kids’ myriad of supplies in one lump sum. Watch for year-round sales on things you know they’ll need for school—from paper and notepads to binders, crayons, and art supplies. Check the big box stores as well as office supply stores for the best seasonal buys.

Reuse perfectly good supplies from last year

Items like pencils, pens, binders, calculators, lunch boxes, and backpacks don’t go bad. They can easily be recycled year after year for incredible cost savings. So, at the end of the school year, save the loot and assess what can be reused and what needs to be replaced.

Prioritize sports and extracurricular activities

Are your kids into sports? Music? Art? Dance? Gymnastics? Those extracurricular activities can really add up. So what are the costs of signing up for one or more extracurricular or sporting activity during the school year? Financial experts advise parents not to overextend the family budget by saying ‘yes’ to everything. Rather, really help your child understand their passion and what would make the most sense to participate in by age group.

And remember, some downtime between school and activities is a healthy option. “It’s really important for kids to understand opportunity costs and the power of choices—if I play in an expensive traveling sports league, then I cannot also buy a guitar and pay for music lessons,” says Phillip Hansen, financial advisor for CUNA Mutual. “And there have been countless studies on how stressed and anxious kids—and parents—can become if over-programmed and over-extended financially. Letting kids be kids with lots of ‘white space’ on the schedule will make for a relaxed and creative school year.”

Bottom line

Kids can be expensive! With a little pre-planning, budgeting, honest family discussions, and prioritizing interests and passions, the 2019 school year can be a breeze financially. Happy back-to-school, Mom and Dad!

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