April 2019 Statement Insert – Mortgages, Credit Cards, Long Beach Branch, Insurance

April 2019 Statement Insert Page 1

VISA
Contact us today for a new credit card or for a limit increase!
Wauna Credit Union
24/7 Lending waunafcu.org  800-773-3236
Federally Insured by the NCUA

Individuals Welcome at our Long Beach branch
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.
Should you be paying less for auto insurance?
Start a free quote and we’ll help you save.

Cascade Crest Insurance
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*source Nerdwallet.com

April 2019 Statement Insert Page 2

Individual Homeowners Welcome
Home Equity Lines of Credit First-Time Homebuyers Manufactured Homes Investment Property New Construction Primary Residence FHA and VA Loans Bare Land

Wauna Credit Union
24/7 banking waunafcu.org 800-773-3236 NMLS#421867
Federally insured by the NCUA
Equal Housing Opportunity

April Anniversaries

No foolin’ Wauna Credit Union has some great employees celebrating anniversaries in April.

If you want to be one of the people celebrating next year, check out our careers page.  

Waunaversary Celebrants

Hannah Woodbury – 1 year

What is your current position?
I am an MC at the Saint Helens branch. I am on the front line and able to assist members with any basic transactions, helping them get loans, or even answering some financial questions and helping learn all the features in our new online and app banking platform U-Banking. Now that I’ve been at the credit union for a year, I’m also getting the opportunity to work with my colleagues to update the way we do some things to help our members.

Hannah and her dog
Hannah named her dog Rebeus after her love of Sailor Moon

What is something that working at WCU has taught you?
Learning to teach other people how to build their financial well-being, teaches you a lot about your own finances too! I spend a lot of time using the tools the credit union provides everybody – if you haven’t checked out Money Management within U-Banking give it a shot, and understanding the little things that cause your credit to go up and down has made me a resource for many of my friends and family that may have questions on finances.

If you could choose one new hobby what would it be?
If I could pick any hobby it would be archery, cause girls that shoot arrows are cool… I would also choose to travel all over the world with my friends and family, and maybe a few solo trips as an adventure.

Hannah also sat down to record an episode of WaunaTalk. Give it a listen.

Others

  • McKenzie Wilson
  • Heather Dixson

  • Marci Szlavich
  • Ashleigh Sibley
  • Charles Dennis

A Letter From CEO Robert Blumberg

Last week, you may have received a letter indicating the interest rate on your Wauna Credit Union VISA would be increasing due to three consecutively missed payments. The letter was inaccurately and inadvertently generated to all Rewards VISA account holders by our vendor.

Our employees have worked tirelessly to confirm that the payment history of every account is correct. Rest-assured that your rate is not increasing. Wauna Credit Union has never increased the rate on a card because of missed payments, and we do not plan on starting now. It is also important to note that your information was not compromised in any way.

I apologize for any distress the error may have caused – this is not how I want to treat our members and can confirm that this was a processing mistake on our vendor’s side. I am planning on meeting with leadership at our vendor to demand procedures and a written plan to ensure only accurate information is sent to you moving forward.

If you have questions about your account status or otherwise, please contact us at 800-773-3236.

Sincerely,

Robert Blumberg Signature

Robert Blumberg CEO & President Wauna Credit Union

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.

A New and Improved WaunaTalk

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

Please take a trip down memory lane with all of the WaunaTalk episodes. There are even new chats with Real Estate Loan Officers Heather Dixson and Paige Tisher. Paige and Heather answer common questions about getting a mortgage.

 

 

 

 

 

 

 

 

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

March Anniversaries

Whether you march to the beat of your own drum, or march in step, everybody can appreciate the Wauna Credit Union employees who are celebrating an anniversary in March.

If you want to be one of the people celebrating next year, check out our careers page.  

Waunaversary Celebrants

Norm Dufton– 9 years

What is your current position?
I am the VP of Consumer Loans. I oversee underwriting, indirect lending and administrate mortgage support. I get to assist in developing underwriters, help the branches with sales techniques and do some data reporting. I develop loan products and with ALCO on loan pricing.

I have had this position for the last 9 years, though have had some parts added and done some things to help WCU grow. At one time WCU had a dealer’s license and I oversaw the operation. At one point I did my current job and oversaw the call center. We got loans started and I handed it over.

What is something that working at WCU has taught you?
While working at WCU I have learned much about our area and our members. Being born and raised in urban environments, I have come to appreciate the small town feel here. It has been mind expanding to learn about logging and fishing and how close knit the communities are.Norm chess. Not a link

If you could choose one new hobby what would it be?
If I were to choose one hobby it would be to play poker. It is a lot like underwriting and sales as you have to measure odds and sell your opponents on why to call or fold, depending on what you have or don’t have. I’ve played in a few tournaments and done well, and had a blast.

Sarah Bilyeu – 2 years

What is your current position?
I’m a Virtual Teller, working upstairs in the Astoria branch. I assist members on the ITMs, where I get to talk to people from all over our footprint, face-to-face. I also respond to member requests through online chat, email, and phones. However you want to contact us, we’re here to help.Sarah and Family

What is something that working at WCU has taught you?
Something that working here has taught me is the benefits in learning how to finally stabilize myself financially. In turn I can now happily help members with all their options they have in order to help them be financially successful.

If you could choose one new hobby what would it be?
A hobby that I would love to try is scuba diving! 😊 I love the water, and being able to see what is below the surface would be so much fun.

Nik Nurkowski – 2 years

What is your current position?
My current position is a Virtual Consultant within the Virtual Branch of Wauna Credit Union. My cohorts and I are charged with service our membership though the various technical services Wauna provides. This is important as we provide customer support with questions and complications that can arise while they peruse our online services, conduct transactions with BillPay or POPMoney, and utilize our fabulous new ITM’s. Our job requires the use of well over a dozen different programs that allow us to access the multi-faceted array of services we offer to our members and assist with their myriad needs Picture of Nik. Not a link.with precision and care.

What is something that working at WCU has taught you?
Wauna has taught me much about finance and credit, important aspects of modern life in this world. However, I never expected it to teach me so much about interpersonal relationships. The shear variety of people I’ve worked with has forced me to learn very quick how to find common ground and blend with folks of radically different backgrounds and beliefs. I used to be a very socially awkward, introverted person, this was quelled for my last job, but my employment here (particularly my training with TMA) has taught me how to better interface with my fellow man. Especially when I share differing beliefs or opinions then the people in question, which was something I had lacking experience with remarkably enough.

If you could choose one new hobby what would it be?
It’s not a new hobby, but if I had endless time and finances available; I would pursue hiking/exploring in more extreme or esoteric locales. I enjoy my local woodlands immensely, but a chance to explore the deep, truly arcane, forests of Washington and Oregon would be amazing. To take that exploration to similar places across the world would be even better.

Michael Swanson – 1 year

What is your current position?
I am a Lending Support Specialist. My main role in the lending department is to process and fund auto loans and HELOCs. I really enjoy working in this team because I am able to advocate for our membership and make improvements to our lending processes to make the borrowing experience easier for everyone!

What is something that working at WCU has taught you?
In my first year with Wauna, I have learned so much about how car dealerships and auto financing work. This knowledge definitely makes the car buying process less intimidating!

If you could choose one new hobby what would it be?
My favorite hobby is playing electronic music. If time and money were not an issue, I’d buy a lot more synthesizers and play a lot more shows.

Kirsten Thompson – 1 year

What is your current position?
I am a Member Consultant in the Warrenton branch. Many people don’t know that we are so much more than tellers. We do credit cards, personal loans, auto loans, we help people understand credit and how important it is to establish.

What is something that working at WCU has taught you?
Working at Wauna has taught me how to build and work on my own credit. When I first started here, I knew my credit wasn’t the best but I didn’t know the core factors on how to “fix” or build it. I have learned so much in this short period of time with Wauna and have since then been able to really understand what builds your score and what hurts it.

If you could choose one new hobby what would it be?
If I had more time on my hands, I would definitely pick up traveling as a hobby. I love seeing new places but have never been out of the country, I mean hey even traveling around the states, or even more places in Oregon would be good with me. I definitely haven’t explored my home state enough!

Others

  • David Merrell
  • Janice Hanes
  • Nichole Klopp
  • Amanda Wehrley-Hazen
  • Christina Eaton
  • Darla Wickre

March Statement Insert

Wauna Credit Union March 2019 Share Statement_Page_1

Open a Jump Start
Youth Savings Account
For a Chance to Win $$$

Wauna Credit Union
Federally insured by the NCUA
24/7 banking
waunafcu.org

Cascade Crest Insurance
Explore and Discover Your World
We’ve Got you Covered
www.cascadecrestinsurance.com
The Freedom to Enjoy Life Doesn’t
Mean Compromising on Protection
Auto/Home/Life/Business/Specialty
503-728-4397

Wauna Credit Union March 2019 Share Statement_Page_2

Roll Into Rebates
Refinance Get 1% cash back 60 days no payments*
All vehicles, watercrafts, off road, unsecured loans, and more can be refinanced!

24/7 Lending, waunafcu.org, 800-773-3236
*Upon loan approval, current and new Wauna CU members who refinance a loan currently financed elsewhere to Wauna Credit Union qualify to receive: 1. an 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. Interest will continue to accrue during the 60-Day No Payment period. These special, promotional financing terms end at close of business April 30, 2019. 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.

WaunaCar Roll Into Rebates
1% cash rebate & 60 days no payments* Visit www.waunafcu.groovecar.com today!
*Special “Roll into Rebates” Auto Loan promotion: Wauna Credit Union members (current or new) who finance a qualifying loan (New or Used Auto, Truck, SUV, Van, Hybrid, Electric) using the GrooveCar service are eligible to receive: 1. an immediate Cash Rebate equal to 1% of the approved loan value; and, 2. 60-Days No Payments. Applicants must redeem the “Roll into Rebates” Coupon to Wauna Credit Union during the loan funding period to qualify for the special terms. This Coupon is available only on the Wauna Credit Union page of GrooveCar.com. Interest will continue to accrue during the 60-Day No Payment period. 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. This special offer ends April 30, 2019. Membership with Wauna CU required to qualify for this special offer.

Invest In Yourself
Open or contribute to your IRA with WCU. Save for your future.

February Statement Insert

February Monthly Statement Page 1

Roll into Rebates
Refinance
Get 1% cash back
60 days no payments
All vehicles, watercrafts,
off road, unsecured loans,
and more can be
refinanced!
24/7 Lending l waunafcu.org l 800-773-3236
Upon loan approval, current and new Wauna CU members who refinance a loan currently financed elsewhere to Wauna Credit Union qualify to receive: 1. an 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. Interest will continue to accrue during the 60-Day No Payment period. These special, promotional financing terms end at close of business April 30, 2019. 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. *Special “Roll into Rebates” Auto Loan promotion: Wauna Credit Union members (current or new) who finance a qualifying loan (New or Used Auto, Truck, SUV, Van, Hybrid, Electric) using the GrooveCar service are eligible to receive: 1. an immediate Cash Rebate equal to 1% of the
approved loan value; and, 2. 60-Days No Payments. Applicants must redeem the “Roll into Rebates” Coupon to Wauna Credit Union during the loan funding period to qualify for the special terms. This Coupon is available only on the Wauna Credit Union page of GrooveCar.com. Interest will continue to accrue during the 60-Day No Payment period. 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. This special offer ends April 30, 2019. Membership with Wauna CU required to qualify for this special offer.

ANNUAL MEETING REMINDER
52nd Annual Meeting is 03/12/2019 at 6:30 PM
Erlene Darby Learning Center
49249 HWY 30 Westport, Oregon
Doors open at 6 PM

February Monthly Statement Page 2

Apply for a Wauna Credit Union Scholarship!
Learn more at waunafcu.org

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

INVEST IN YOURSELF
Open or contribute to your IRA with
WCU. Save for your future.

Reminder: Call Cascade Crest Insurance
To Compare My Insurance Rates
503-728-4391
Auto/Home/Life/Business
email: info@cascadecrestins.com
www.cascadecrestinsurance.com

February Anniversaries

Today is a day for love. Wauna Credit Union loves all of our employees and members, and today we’re showing our love to all our employees celebrating anniversaries in February.

If you want to be one of the people celebrating next year, check out our careers page.  

Waunaversary Celebrants

Paige Tischer – 7 years

What is your current position?
I am Real Estate Loan Officer based out of our Astoria branch on the coast. I have worked at the credit union for seven years on Valentine’s Day, starting as a Member Consultant. I grew up in Clatsop county, my favorite part of my job is having the opportunity to help our members build their financial well-being. I love helping our community with buying their new homes.

What is something that working at WCU has taught you?

Paige with Flowers
Paige loves being a Valentine Anniversary

Working at Wauna Credit Union has taught me to come to work with passion and purpose every day. Our members can tell that we really care about them and helping them reach their financial milestones.

If you could choose one new hobby what would it be?
I’ve been riding horses my entire life. If I could, I’d build a small barn and spend my time riding all the trails around Astoria.

Karissa Temple – 5 years

What is your current position?
I am a Lending Support Specialist. I have many hats to wear with this position and love that it’s never the same. I fund indirect loans from the dealerships, help MC’s with questions they may have, audit consumer and mortgage loans. I also get to travel around and take pictures of houses for property inspections.

What is something that working at WCU has taught you?
The one that stands out the most is how credit unions are different from banks. How we think about our members needs and how to help them for their future. I have found many members that I have taken under my wing and shared the knowledge that I have gained to help them obtain their financial goals.

If you could choose one new hobby what would it be?
I would pick sky diving for my new hobby.

Kira Zavortink – 3 years

What is your current position?
My current position is Lending Support Specialist. I am tasked with underwriting consumer loans, funding indirect auto loans, auditing mortgages and consumer loans, and completing property inspections and ordering appraisals for mortgages. I am also available to answer any loan questions that Member Consultants might have. I transferred from a front line position in the Warrenton branch this last year. I do miss directly assisting members, but I get to put my skills to work helping members behind the scenes in my new position.

What is something that working at WCU has taught you?
Probably the biggest thing that I have learned working at Wauna is what credit is and how to build it. When I started I had zero credit and zero knowledge on the importance of having a decent credit score. Because Wauna is so dedicated to helping our members with credit score enhancement I have learned so much about what makes up a credit score and how to improve it.

If you could choose one new hobby what would it be?
If time wasn’t an issue I would most likely read or go hiking more often.

Amber Seely – 3 years

Amber’s anniversary coincided with her being awarded Employee of the Quarter. Read all about Amber here.

Katelynn Persons – 1 year

Katelynn and Hugo
Katelynn and a friendly stranger take a picture in front of a waterfall (Okay, that’s her fiance Hugo, who also works for WCU)

What is your current position?
I am the Title Clerk in our Operations department. I’m the one who makes sure the titles for all the paid off loans and mortgages are properly transferred over to our members. Those are called Perfected Titles and Reconveyances in case you were wondering. It’s fun to be the one who lets our members know that they’ve paid off their loan. I also do all claims for delinquent loans and vehicle crashes, but hopefully there aren’t too many of those.

What is something that working at WCU has taught you?
Working for Wauna Credit Union has taught me that everyone can fit in. That you do not have to settle for being just a number, and that goes for both being a member of the credit union as well as an employee. For both, I am treated as an individual with individual needs, experiences, and talents. I have learned that it is okay to strive for more, it is okay to say I don’t know, and that everyone has purpose.

If you could choose one new hobby what would it be?
If I could choose a new hobby, I would definitely take up event planning. I love getting to sort out the fine details, decorating, and making people smile.

Rebekah Ausmus – 1 year

What is your current position?
I’m a Loan Servicing Specialist. I wear a lot of different hats around here, but it’s all about making sure all our members loans are taken care of behind the scenes. I take care of all the Escrow accounts, making sure that the taxes and insurance are paid on time and the renewals are up to date. I also track the insurance for all the consumer loans (both vehicle and homes) and make sure they have insurance so our members are protected, I submit all title and registration documents to the State Motor Vehicle departments and try to make sure everything is in order before we send it to them. I’m also part of the Operations Team so I try to my best to help our internal and external members whenever they have questions.

What is something that working at WCU has taught you?
I’ve learned that working at a credit union is not all about making money. It’s about being there for our members and helping them live a financially successful life. I love when I hear from our members that they feel Wauna truly cares about their financial well-being.

If you could choose one new hobby what would it be?
I would travel the United States, visiting every town in each state and learning something unique about each, then I would write a book about it.

Others

  • Mike McTague

Employee of the Quarter: Amber Seely

Amber and familyWe have over 100 great employees at Wauna Credit Union. Each Quarter we recognize one person who consistently goes above and beyond, and name them Employee of the Quarter. We’re kicking the year off with a bang with our Employee of the Quarter Amber Seely.

We sat down with Amber to find out more about her, and learn more about her time representing Wauna Credit Union.

Getting to Know Amber

What is your title?
I’m a Card Service Specialist based out of Clatskanie. I work behind the scenes to help make sure our credit and debit card programs are running smoothly. I also Amber talk with members and help them when there is a dispute on a purchase. Prior to that I was a member consultant in St. Helens.

What brought you to WCU?
I was a medical assistant in Portland. When my daughter was born, I stayed home for some time, and when I was ready to come back to work I started looking for a job that was closer to home, that still gave me the chance to talk to people, and had the opportunity for growth. When a job at Wauna opened up, I jumped at it.

What is your favorite thing about working here?
There are so many things I love about working here, but my favorite thing is just getting the chance to work with people, both coworkers and members. I’m a very social person, and I love helping people. The great thing about my job is I get to help people multiple times a day.

Amber at work

What project has been your favorite?
My favorite project is one that’s going on right now. Our members really love our Visa Rewards Cards, and we’re constantly looking for ways to make them better. It’s been fun to look at all the ways we can give a little back to members just for using their cards. We have some exciting things coming up.

Where did you grow up?
I grew up in St. Helens, and I think it will always be my home. I love the community and knowing that my neighbors are always looking out for me, and I’m looking out for them.

What was a time you laughed really hard at work?
I laugh all the time at work, but I’ll tell you when I don’t laugh, when you manage to find bad pictures of me and turn them into memes. (Editor’s note, that’s what Amber gets for stealing my phone at TMA training and taking selfies.)Amber-Smiling

Why do you think somebody should become a Wauna Member?
I think somebody should become a member, because all the decisions are made by local people. Our mission is to help people build their financial well-being. We do that by working with people to make a loan work, help them save a little bit more money, or making it easy to do their banking 24/7.

Have you ever done anything embarrassing at work?
I don’t get embarrassed easily. Recently, at one of our In-Service days I lead a group dancing in front of the whole credit union. Some people might be embarrassed doing that, but my passion is dancing, so I wasn’t embarrassed at all. We had secret practices, and nobody was expecting it. It was great.