We’re one week into our new U-Banking platform, and have begun to hear great feedback from out members about the new ways it is letting them stay on top of their finances, and manage their money from their mobile devices. We’re incredibly pleased to see that the work we put into developing the platform and choosing the right partners is paying off for our members. U-Banking is still new, so there are still people getting up to speed on all that it can do.
We’ve highlighted a few areas that people really seem to like. We really mean it when we say U-Banking is all about you though. It’s jam-packed with new things, so the below are just a morsel of what it has to offer.
New mobile app. It’s no secret that the U-Banking app is a huge step up in terms of both form and functionality. Our app is now truly an extension of our website, you can transfer money to other accounts, pay your bills on the go, stay on top of your finances with our all-encompassing money management tool MX, and even deposit your checks without ever leaving your couch. Download the app today at the Apple App Store or on Google Play.
Bill Pay is now integrated into our app, and is right there on your U-Banking internet banking page. If you haven’t given Bill Pay a try, it’s super easy to get started. Bill Pay lets you easily track which bills are due and how much you paid last time. You can even schedule — or cancel — payments with the click of a button. No more worrying about when bills are due, whether you paid them or not, or what your password is to pay online.
Account Management is so much more customizable and easy to use. Do you want to add another person to your account? Maybe you want to transfer money to a non-WCU account, or even pay your WCU credit card directly. With U-Banking you can do all of that. Not to mention with MX you can import all of your accounts into U-Banking and stay on top of your finances in one place.
What’s your favorite thing about U-Banking? We love to hear from our members, so let us know.
In 1988, Microsoft released Windows 2.1. George HW Bush beat out Michael Dukakis for the presidency. 1988 was the year of Rainman, Coming to America, Die Hard, Beetlejuice, and A Fish Called Wanda. The Redskins won Super Bowl XXII and Bobby McFerrin told us, “Don’t Worry, Be Happy.” This was a special year for many reasons, but more-so to us because it’s also when Debi Smiley came to work for Wauna Credit Union in Clatskanie, OR.
“Clatskanie” comes from the Native American word, Tlatskani, which was given to a point in the Nehalem River, reached via the Columbia by way of the Clatskanie River…or so the story goes.
Many of Clatskanie’s 1,800 residents are of Nordic heritage, which includes Debi’s family, who immigrated to Clatskanie from Finland. Debi is a 4th generation Quincy-area resident (just outside of Clatskanie).
And today we celebrate 30 years with Debi in our ranks. She’s done it all, from teller to chief. So, with a few questions, let’s take a deeper into who Debi is, who her heroes are, and how we can grow to be as successful as she.
First, the pedigree information that makes you YOU:
Husband, Greg (together 20 years, married 18 years this July)
Daughter, Liz (Elizabeth, but goes by ‘Liz’)
Son-in-law, Chris Cowen, Oregon State Police Officer
Grandson – Brayden, 14 and step-granddaughter, Alexa who is 11
1 cat, PV (piss & vinegar) – and we recently were adopted by another cat – ‘Kitty Girl’ is what I have been calling her
Oldest of 4 – two sisters and one brother)
There is no question you have learned many lessons, had thousands of great ideas, and made countless friends in your time here with Wauna Credit Union. Through everything you have experienced, what is one thing you have come to truly love about the Credit Union?
I still truly love that we continue to be people helping people. After 30 years, that mission remains the same, solid force that it was when the credit union started. This is why I have continued to work hard to do what ‘I’ can to serve the members of the credit union and community in as many capacities as doable.
As Chief Marketing Officer, you are constantly coming up with new and creative ways to showcase Wauna Credit Union. What is one piece of marketing advice you would give to new businesses that are just getting started in the area?
Join the Chamber, Kiwanais, Turning Point, Keep it Local, etc. You learn a lot about the community you are serving. This allows you to market your business as well as evolve it to meeting the needs of the residents you serve.
A lot of people look up to you here at Wauna. But is there someone you look up to? Do you have a role model and if so who is it and why?
I have had a number of role models throughout my years. They have come in the form of sports coaches, teachers, supervisors, etc. Each of them taught me life lessons, provided growth, and guided me to a better me. It is difficult to choose only one. Though the one I served under the longest was retired CEO Eileen Cheuvront. Under her leadership, I learned to “stay focused, work hard, and have fun”. That was her motto and she shared it often. Eileen led by example. She was a compassionate leader that believed in the credit union, what we stood for and the high quality of service we were to render. She was a caring and supportive leader and I feel privileged to have worked under her leadership and guidance.
You are already pretty super, but if you could have one superpower, what would it be and why?
I would like to have Super Speed to get things done quicker so I can have more family time and healing Power to help those who desperately need it.
There you have it.
Wauna Credit Union has waxed and waned in many different directions since its charter way back in 1967. But while our look and our products and services may change, our values and beliefs will not. Because it is an undying commitment to our members that sets us apart from other financial institutions. This is the eternal flame that keeps us bright. And it is employees like Debi Smiley that keep that fire burning.
Thank you for 30 years, Debi and we look forward to many more to come!
Wauna Credit Union has been serving members of the towns and cities surrounding the Columbia River for 51 years. We’re continuing to grow (if you want to join us check out our careers page). No foolin, today we highlight employees who celebrated anniversaries in April.
Heather Dixson – 5 years
What is your current position? I just started as a Real Estate Loan Processor. I work with our RELOs (Real Estate Loan Officers) to gather all the information we need to get our members their mortgages, and get the loans Good to Go! – assist the Real Estate Loan Officers with processing mortgage loans.
What is something that working at WCU has taught you? Working here taught me to under promise and over deliver. Not only is this something I do during the day at the credit union, but something I’ve implemented into my daily life.
If you could choose one new hobby what would it be?
I’d love to start making stained glass. I like creating things, I think it would be cool to have the resources to add a unique characteristic to a home or building.
What brought you to WCU? I was new to the area from Alaska, and was looking for an experience that would help me build a career. I found Wauna Credit Union, and I couldn’t be more happy.
What is your favorite thing about working here? My favorite thing about the credit union is my Wauna family! I’ve met so many amazing people in my five years here, and I know I’m going to meet so many more over the next 5 years.
Have you ever done anything embarrassing at work? When saying goodbye to a member I told him that I loved him. Since then, every time he comes into the branch he greets me with “hi honey!”
Ashleigh Sibley – 2 years What is your current position? My current title is Communication Center Member Consultant II. My role has changed recently as I have jumped into the world of loans. If a member calls, chats, or emails in about anything I will be one of the lucky ones to assist them.
What is something that working at WCU has taught you? Wauna has taught me to venture out of my comfort zone. I have learned to dig deeper and uncover needs that may not have been vocalized. Wauna has allowed me to embrace the true meaning of people helping people and offer intuitive service to our fabulous members.
If you could choose one new hobby what would it be? I could choose a new hobby it would definitely be travel. I moved from the East Coast to the West Coast but there is still so much I have yet to see!
Medical expenses are a way of life, especially in our area where people are often working outdoors, or in workplaces more prone to injuries. Our partner BALANCE put together a great overview of how to help manage medical debt.
This is a long blog, but it’s full of great information. Including several good resources at the bottom if you find yourself already dealing with medical debt.
Check the bills
Often people are so shocked over how much they owe when they first open their bills that they forget to look at them in detail. However, since medical bills are frequently inflated, looking over them carefully could save you money. Maybe you were billed for a four-day stay in the hospital when you only stayed two or charged twice for the same medication. If you see that you were billed in error, contact the medical provider to have the charge removed.
If you have health insurance, it is also a good idea to make sure your insurance company paid for everything covered in your plan. If an insurance company denies a claim, the medical provider will just bill you, even if the treatment is covered under your plan.
How easy is it to get an insurance company to pay a denied claim? If it was merely a clerical error, it should be simple. If you are dealing with a stereotypical penny-pinching insurance company trying to wiggle out of a commitment, it could be harder—but not impossible. Most insurance companies allow you to appeal decisions, and if you submit evidence to support why the treatment should be covered, like a letter from your doctor, you may be able to have the denial overturned.
Ask for a repayment plan
Even after billing errors are corrected, the amount you owe may still seem frighteningly large. However, there is no need to panic if you cannot pay a bill in full. Most medical providers will allow you to make smaller payments until the bill is paid off and, in many cases, won’t even charge interest. Think about how much you can afford to send each month, and let the medical provider know.
If the medical provider does not accept your proposal, should you not send any money? Not necessarily. Few people will actually refuse money, regardless of how small the amount is. That does not mean you are immune from being sued or having the account be sold to a collection agency, but all you can do is send what you can afford to pay. Not paying your mortgage or other important expenses to get more cash for your medical bills is usually not a good idea.
Look for assistance
If you have medical bills from a hospital, you are probably well aware of how high hospital bills can be. Luckily, many hospitals get government funds and donations to cover the bills for patients who cannot pay them themselves. (Other types of medical providers typically do not get such funds but may give you a discount if you describe your hardship.)
Talk to your hospital’s billing department or financial counselor about its programs. Remember to find out what the application procedure and qualifications are; often assistance programs are restricted to people who owe above a certain amount, have income below a certain limit, and/or have no medical insurance. Even if you ultimately do not qualify, it does not hurt to ask.
Hospitals are not the only places where you can get financial assistance with your medical debt. Many nonprofits provide the same service. Like with hospitals, nonprofit programs are often restricted to limited income and/or uninsured individuals.
To find out what programs are available in your area, contact your local United Way or dial 211 (an information referral service available in most communities). You may also be able to get information from relevant disease support groups.
Create a plan for the future
While your current concern may be the bills you need to pay now, chances are, you will have more medical bills to pay in the future. Getting sick is just a part of life. However, if you start saving today, it will be easier to pay whatever bills come your way tomorrow. While you can put your savings in a savings account, you may also want to make use of one of the tax-advantaged accounts available for medical expenses.
If your employer offers it, one option is to set up a flexible spending account. At the beginning of the enrollment period (which if often, but not always, January 1), you tell you employer how much you want withheld from each paycheck and sent to your account.
You typically must pay for the costs out of pocket first and then get reimbursed after submitting a claim form. While the money sent to a flexible spending account is not taxed, there is one drawback: you lose any money that is not spent by the end of the year. Thus, you should not contribute more to a flexible spending account than you reasonably expect to spend.
Another option is a health savings account. Like with a flexible spending account, the money contributed to a health savings account is not taxed. However, you do not lose the money that is left over in the account at the end of the year.
So, why would anyone choose a flexible spending account over a health savings account? Health savings accounts are not available to everyone. In order to qualify, you must be enrolled in a high-deductible health plan (a plan with higher deductibles and lower premiums than traditional plans). If you have a traditional plan, you are out of luck.
Medical bills can linger long after an injury or illness has been treated. While the amounts owed can seem unbelievably large, remember, there are many things you can do ease the pain of bill paying. Resources Patient Advocate Foundation
Provides information to patients experiencing problems with their insurance company or employer. Also offers a co-payment assistance program.
Partnership for Prescription Assistance
Provides information on programs that offer financial assistance with prescription costs.
Provides grants that can be used to pay for prescriptions, co-pays, deductibles, and insurance premiums. Available to patients with a variety of illnesses.
Offers financial assistance programs to help cover the costs of cancer treatment and co-pays.
Wauna Credit Union is kicking off our 51st year of serving members of the towns and cities surrounding the Columbia River. We’re continuing to grow (if you want to join us check out our careers page). Today we highlight the March anniversary employees, who always put a spring in our step.
If you missed it, earlier this month we celebrated the 10-year anniversary of our CFO David Merrell. Read more about David here.
Norm Dufton – 8 years
What is your current position? My position is VP of Consumer Lending. I supervise the administration of car loans, credit cards, lines of credit, underwriting, and all administrative tasks. I work with dealers, underwriters, and the Leadership Team to get our direction and make it happen! One of the great things about Wauna Credit Union is we look for ways to make loans happen, instead of trying to find reasons to not fund people. Most recently I have been working with a lot of our front line staff to help them learn about lending and sales. Really many of the things I am teaching are for personal as well as professional development.
What is something that working at WCU has taught you?
Prior to moving to the coast to work, I lived in urban areas all of my life. Living and playing in a rural area has taught me a lot about diversity. When I work with people that own farms, or earn extra money by fishing or are married to a logger I get a better feel for how many people live. My mind expands.
If you could choose one new hobby what would it be?
I would like to fish in Alaska. I have learned since I moved here how untouched many of the areas are in relation to where we live today.
Amanda Wehrley-Hazen – 1 year
What is your current position? I started out as an Ops Support Clerk and transferred to EFT Clerk when the position became available. As the EFT Clerk, I process all of our ACH (Automatic Clearing House) files, Share Draft Files, Mobile Deposits, Returned Check Processing, Domestic Wire Set Up and International Wire review and approval, as well as ACH Form set up. I am also one of the responders to the Ops Support hotline.
What is something that working at WCU has taught you? Being a member of the Wauna team has taught me a truer meaning of teamwork. As a natural Supporter personality type I really enjoy being involved in a working team atmosphere. I feel like I have learned so much about myself over the last year in regards to our TMA training and communicating and responding to not only internal and external members, but to my daughter and son. (I even recognize that my dogs have different personality types and try to communicate with them accordingly).
If you could choose one new hobby what would it be?
I don’t think I would choose a new hobby. Instead, I would focus on photography. I used to take pictures daily in my other work, but I have never had the spare time to actually study photography and take the time to learn all about every aspect of what, for instance, all the settings on a camera can do for the artistic presence of a portrait. So I would take a class, actually read my instruction book for my camera, and spend my weekends travelling to take nature photos.
Nichole Klopp – 1 year
What is your current position? I am a Communication Center Member Consultant in the WCU Virtual Branch in Astoria. My primary role is to assist members over the phone and create ‘WOW’ moments. Daily I use Wauna’s core values along with TMA, a program we all use to make sure we are always assisting our members.
What is something that working at WCU has taught you? Working at Wauna Credit Union, I have been given access to this amazing program called TMA (The Member Advantage). TMA has helped me develop not only at Wauna or my second job at the theatre (free movies are an amazing bonus), but also with my personal life. We all have different ways we like to communicate, and TMA teaches you how to identify and effectively communicate with different behavior styles.
If you could choose one new hobby what would it be? A hobby I will hopefully take on will be to rebuild a gas motor. I would love to finally get my 98 Civic running again.
Nik Nurkowski – 1 year
What is your current position? I’m a Virtual Teller operating our Interactive Teller Machines (ITM). The ITMs are a pioneering technological venue for Wauna. I offer the same services as a teller, although we call them Member Consultants, but through a video screen at a drive-up or kiosk machine that looks identical to an ATM. In fact, they work as ATMs as well. It’s quite a delight and very exciting to be operating on the cutting edge of our modernization as a credit union, and it’s truly wondrous to see young and not-as-young experience the future.
What is something that working at WCU has taught you? Working here I’ve learned a tremendous amount about credit and financial systems as a whole. Which has been quite a boon to me as I was always raised with a fear of credit cards and debt. At WCU, I’ve learned that too much debt is certainly important to avoid; but building ones credit worthiness through sound financial practices isn’t as daunting. This understanding is now providing me the blueprint to better my family’s financial security and achieve goals we previously thought unattainable.
If you could choose one new hobby what would it be?
Would that I had no other responsibilities, I’d launch myself into a trade very near and dear to my heart; I’d build a smithy. I’ve loved blacksmithing and metalworking all my life, and was allowed to practice the craft through some of my high school years. I’d delight in being able to pick up the hammer once more and forge steel in earnest.
Sarah Bilyeu – 1 year
What is your current position? I work at the Communications Center as a virtual teller on our new Interactive Teller Machine s (ITMs). I do transactions for our lovely members when they drive up in Clatskanie and Long Beach, and soon other branches as well. Now that people are getting used to us it is a delight to have the opportunity to build rapport and see their happy faces daily. I am also trained to be in our call center and assist members over the phones as well.
What is something that working at WCU has taught you? I’ve learned a lot so far here at WFCU but something that I’m very happy to have learned so much about is loans, how credit works, and how all of that plays a part in building a person’s thriving financial well-being. Its helped me become a lot less fearful of my own personal credit choices and opportunities and also gave me confidence in helping members out with their best options here.
If you could choose one new hobby what would it be?
If I could choose any hobby at all with money not being a factor I would love to just travel all over the world and discover beautiful places with my family and learn all about different cultures.
If you had to guess, how much money would you say North Americans owe in credit card debt? $500 million? $500 billion? Here’s a hint: it’s over $1 trillion…and this is the first time in history it’s been that high.
To give you a bit of scale, in the final quarter of 2017 cardholders added a whopping $67.6 billion in credit card debt. According to WalletHub, that’s “the highest quarterly buildup in the last 30 years.”
Chances are you’re one of many who has fallen into these numbers. That’s OK! Credit card debt happens to the very best of us. But what can we do today to begin digging ourselves out?
Despite what it may seem, you don’t have to go overboard to make a difference. Starting off small by formulating a healthy financial plan can make a huge difference in the long run. Though in the meantime, here are a few tips to get you going and put your mind at ease:
1. Attack the peskiest balance first. If you have a few different cards, focus on paying down the largest balance. Not only can this boost your credit score by lowering your utilization, but you’ll also be shelling out less in interest. Not to mention, paying off the card that bugs you the most will feel like a million dollars.
2. It doesn’t hurt to ask. Asking the issuers of your cards for a lower interest rate is as easy as a phone-call. You’ll need a credit score of 730 or higher, but you could get your rate reduced. A rate reduction might very well save you hundreds of dollars over time.
3. Transfer that balance! A lot of folks don’t even know their credit card’s interest rate. According to creditcards.com, the national average annual percentage rate is 15.05%. Right now, we are offering 1.99% APR* for 6 months on balance transfers of $1,000 or more for our Rewards Visa and 2.99% APR^ for 6 months on our Platinum. Talk with a friendly Wauna staff member today and we’ll help you make the transfer.
4. If you can, pay more. Your credit card issuer is charging you interest on a daily basis, so the more often you make payments, the better off you will be. We suggest going one step further and making two, three, or ever four payments each month. Upping your payments can significantly reduce interest and the time you spend in debt.
Although it might not seem like it, the credit card companies you hold debt with want you to repay that debt just as much as you want to pay it off. No doubt about it, credit card reduction is a process. By setting goals and staying strong, you’ll come out on the other side better off than before. And don’t forget, you can always contact Wauna Credit Union for advice or guidance.
Let’s do this!
*APR: Annual Percentage Rate. The special 1.99% Introductory Rate applies to qualifying balance transfers transacted through March 31, 2018. The Introductory APR will begin on the transaction date(s) during the promotion period, and remain in effect through the 6th billing cycle. At this time the cardholder’s regular Credit Card Account Agreement terms will apply. Some restrictions apply. Cardholders may not transfer balances from other accounts issued by Wauna Credit Union.
May not transfer any amount of debt to their account that would cause their balance to exceed the account credit limit. During the promotional period, Rewards cardholders will earn 1 (one) Rewards Point for each qualifying $1 transferred to their Wauna CU VISA Rewards Credit Card account. Qualifying transfers greater than $999.99 will earn 2 (two) Rewards Points for each qualifying $1 transferred to their Wauna CU VISA Rewards Credit Card account. A Balance Transfer Fee of 3% of the total balance to be transferred, or a minimum fee of $20, whichever is greater, will be assessed at the time the balance transfer is approved. This promotional offer ends March 31, 2018. Promotional details available at waunafcu.org. Membership with Wauna Credit Union is required.
^APR: Annual Percentage Rate. The special 2.99% Introductory Rate applies to qualifying balance transfers transacted through March 31, 2018. The Introductory APR will begin on the transaction date(s) during the promotion period, and remain in effect through the 6th billing cycle. At this time the cardholder’s regular Credit Card Account Agreement terms will apply. Some restrictions apply. Cardholders may not transfer balances from other accounts issued by Wauna Credit Union.
May not transfer any amount of debt to their account that would cause their balance to exceed the account credit limit. A Balance Transfer Fee of 3% of the total balance to be transferred, or a minimum fee of $20, whichever is greater, will be assessed at the time the balance transfer is approved. This promotional offer ends March 31, 2018. Promotional details available at waunafcu.org. Membership with Wauna Credit Union is required.
Today marks the 10-year anniversary of Wauna Credit Union’s CFO David Merrell. David is part of our leadership quintet, and is a key driver of all our success. While the work of the CFO mostly happens behind the scenes, we couldn’t do what we do without him. It’s David that really figures out how we can best manage our money and products to offer our members the absolute best solutions for their finances.
Our CEO Robert Blumberg said it best:
“David’s knowledge in economics and strategic initiatives is top-notch. He is committed to the financial well-being of Wauna Credit Union and we would not be as financially sound without him as a part of the management team.”
David grew up in a rural community (Moses Lake, WA) on 160 acres, which helps him understand our members wants and needs. While he originally started out with a huge corporation (Shell Oil) before moving on to a big bank, the idea of serving members, instead of shareholders, brought him to WCU.
There are a lot of ways to honor David, but we thought the best way was to re-post a speech he gave to our scholarship recipients last year. David has always valued education. He made sure his own children completed their studies, and always takes an interest in all of WCU’s education-focused activities.
When you look at who you are and what you do and what you’re intending to do is that you’re in position to contribute more. Not just that you hopefully make more money and do it that way, but you should be, you can be leaders. Leaders in just influencing people if that’s all it is.
We spend a lot of time trying to learn how to do well in our organization, how to create better organizations. Now you of course are geared towards that. You have a better ability to learn and you can contribute. I think that one of the best talks I’ve heard, some at the beginning of the school year addressing the student body, was will you lead. And that is so important today in society. Will you lead? Will you lead in the good? And we’re not just talking about in your environment. Will you lead in helping others to be better people and have the opportunity? And that’s one of the things that you get, a better opportunity as you go through and get better educated, a continuing education.
As we talk about ways to be better leaders now, I was listening to those talks on that as we go back and hear it again and they’re referencing books I read in high school. They had an impact. They’ve always impacted me. We’ve got engineering. We’ve got biology, science, kinesiology. Those are all good. The biggest impact in going to college is broadening of your knowledge.
-David Merrell Wauna Credit Union CFO June 14, 2017 to Wauna Credit Union scholarship recipients
Thanks for the 10 great years Mr. Merrell. Here’s to 10 more.
Wauna Credit Union is kicking off our 51st year of serving members of the towns and cities surrounding the Columbia River. We’re continuing to grow (if you want to join us check out our careers page). Today we show the love to our February anniversary celebrants.
Paige Tischer – 6 years
What is your current position? I’m a Real Estate Loan Officer out of the Astoria branch. Home buying is a big step for our members. I really take pride in helping our community and finding ways to get our members the financing they need to get their new home.
What is something that working at WCU has taught you?
Wauna has taught me so many lessons. I think the biggest thing I’ve learned is that the harder you work, the more you will be able to do, and the better you’ll be able to do your job. I started off working as a teller and as I’ve increased my knowledge about our products, I’ve been able to increase my responsibilities.
If you could choose one new hobby what would it be? If I could choose any hobby it would be to learn how to fly a plane, hands down. I’d travel to new places I haven’t been and eat food I haven’t tried.
Amber Seely – 3 years
What is your current position? I am an MC at the St. Helens branch. I get to assist our members with all their daily transactions, and help them find ways to make their financial situation easier and ultimately better, whether that’s through one of our great products, or simply by working with them to help.
What is something that working at WCU has taught you? Working here has taught me how to manage my own money better. I’ve learned how to build credit in a way that that makes my budget easier to manage. One of the things that separates us from a bank is our commitment to helping our members with their finances. I always recommend our great financial education tools to our members because I know how much they helped me.
If you could choose one new hobby what would it be?
I would love to travel more! I recently went to Disneyland with my daughter and husband. Seeing her eyes light up at all the new things she was seeing, made me remember how much I like seeing new things too!
Wauna Credit Union is kicking off our 51st year of serving members of the towns and cities surrounding the Columbia River. We’re continuing to grow (if you want to join us check out our careers page). Today we kick off the year by hearing from the employees who celebrate their anniversary in January.
Nathan Philips – 13 years
What is your current position? I started my career at Wauna Credit Union as a Member Service Representative, I now serve as the Vice President of Technology. My duties include forecasting the technology needs of the credit union, managing our Information Technology team, and formulating our Information Security strategies.
What is your favorite WCU memory? My favorite memories at Wauna Credit Union include seeing members I used to help on the teller line at events, such as our Annual Meeting. I enjoy hearing about how they are doing and seeing their smiling faces like I used to.
What is something you like to do when you’re not at work? When I am not at work, I enjoy spending time with my family. My wife, son, and furbabies enjoy a nice hike in the Astoria area. I am also a member of a local bowling league in Astoria.
Serena Schlosser – 3 years
What is your current position? I was just promoted to Lending Administration Manager upstairs in the Astoria Branch. I support the Consumer and Mortgage Lending teams, making sure every i is dotted and every t is crossed so the credit union stays financially sound.
What is your favorite WCU memory? I have a lot of great memories, and some of the best ones come from when we all get together. One of my proudest moments was at the holiday party last year when the Top Underwriter and Mos
t Helpful awards. It’s always nice to be recognized for your hard work.
What is something you like to do when you’re not at work? When I am not at work I enjoy gardening, cooking, and camping with my family. I also serve on a volunteer board for the Lower Columbia Preservation Society. I dig old buildings, and really like working with people to keep them around.
Pam Weller – 13 years
What is your current position? I’m the Regional Manager for WCU. In my position I oversee the deposit and lending growth of the branches, and work closely with the Area and Member Service Managers to implement credit union strategies.
What is your favorite WCU memory? There are many great memories of my time with WCU, however I would say the best ones have come from working with the Vernonia Branch on floats and projects during Jamboree weekend. It’s a great time to have fun and be creative as we spend time with each other as well as the community.
What is something you like to do when you’re not at work? In my spare time I enjoy quilting, knitting, horseback riding and camping.
As soon as the proposal happens, the wedding planning begins (sometimes before). However, if you are like many people, you are paying for your own wedding, or honeymoon, or any of the giant expenses often involved in saying “I do.” At the Shore Style Wedding Faire there will all sorts of vendors helping you with your upcoming nuptials, including Wauna Credit Union.
For many, the idea of parents paying for their children’s wedding is a fairy tale, and even being able to save for a wedding for years and years, is difficult, it can start that union with unneeded stress or prolonged waiting. So, how does one cover the costs of rings, the honeymoon, and the wedding? Even a small, intimate wedding of just your closest friends and family is going to cost more than most can readily afford. What’s a couple to do?
One simple way to deal with these expenses is with a personal loan. A personal loan is often the least expensive way to pay. It’s way cheaper than using a credit card, and the qualifying process is quicker than trying to do a home equity loan. Borrowing for your wedding is a simple way to make your dreams come true without the stress. We can set your loan payment to fit your budget, and we can make the payments automatic to keep it simple.
A wedding loan could actually help you build credit as a couple, which will serve you well when purchasing a home, or a new car in the future, and Wauna Credit Union will be there to assist with that as well. In fact, we offer a variety of options to take the worry out of paying for your wedding so you can focus on planning it, and your new life together. For example, apply for a personal loan to cover the big wedding costs, and a Wauna Credit Union VISA credit card to pay for incidentals or to use on your honeymoon – it’s far more secure than cash or debit cards when traveling. If you opt for a Rewards card, you might even cover airfare with the points you earn!
Why struggle? Let us be you Wedding Financial Planner, and take the stress off of paying for the big event, so you can enjoy your special day and focus on the most important thing – each other.