December Statement Insert Board of Directors

Transfer your balances to us and save

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

Rebates for Every Individual

1%^ Cash back
60 Days No Payments

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

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

Are You Pre-Approved?

Find out when you log into U-Banking and click the pre-approvals tab

Cascade Crest Insurance

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53rd Annual Meeting

Erlene Darby Learning Center 49249 Hwy 30, Westport, OR

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

Doors open at 6pm/Light refreshments served

The Board of Directors has approved three nominees for three positions on the Board of Directors from applications submitted by members. Their names and biographical information are included below.

William “Bill” Delager, Incumbent, Birkenfeld

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

Erick Holsey, Incumbent, Clatskanie

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

Robin Clarke, Rainier

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

An election will not be conducted by ballot, and there will be no nominations from the floor at the annual meeting when the number of nominees equals the number of positions to be filled, which is currently the situation. Any member who desires to run for the Board may do so now only by a nomination by petition signed by 270 credit union members in good standing 18 years of age or older.

An application may be requested by calling 1-800-773-3236, Ext 3124. Completed applications may be mailed to ATTN: Governance Committee P.O. Box 67 Clatskanie, OR 97016 or delivered in person to any branch.

Completed applications must be received by end of business on February 6, 2020.

Wauna Credit Union Opens New Branch in Forest Grove

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

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

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

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

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

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

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

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

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

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

November Statement Insert – Credit Cards, Wauna Car

Holidays for Every Individual
Spruce up your seasonal spirit with
EZ$, Visa, personal loans and more!
Double & Triple Point Days

Members using their Wauna Credit Union VISA Rewards Credit Card will earn Double Rewards Points (Two Rewards Points for each $1 purchase transaction) for purchases transacted between November 1 and December 31, 2019. Cardholders will earn Triple Rewards Points (Three Reward Points for each $1 purchase transaction) for purchases transacted on these specified dates: November 29-Dec 2 (includes Black Friday, Shop Local Saturday, and Cyber-Monday); and, December 22-26. Double and Triple Reward Points do not apply to Balance Transfers or Cash Advances, and Rewards Points are non-transferable. Membership with Wauna Credit Union required. Complete promotion details available at waunafcu.org. This special offer ends December 31, 2019.

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

Statement Insert Page 1

It’s a Wauna Car Winter
Finance through Wauna Car
Recieve 1.5% Rebate*

*Wauna Credit Union members (current and new) who use the Wauna Car buying service to select a vehicle for purchase and use the Wauna Car online loan application for a qualifying loan (New or Used Auto, Truck, SUV, Van, Hybrid, Electric) will become eligible to receive an immediate Cash Rebate equal to 1.5% of the funded loan value. Minimum loan amount funded to qualify for the Cash Rebate offer: $5,000; Maximum Rebate amount: $500. Cash Rebates paid to members may be forfeit if the loan balance is paid in full within 180-days of the loan funding date. No other special terms may be added to this offer. The 1.5% Cash Rebate offer ends at close of business December 31, 2019. Membership with Wauna CU required to be eligible for this special offer.

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Protect your family and home with affordable property insurance
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Statement Insert Page 2

October Statement Insert – Credit Cards, Wauna Car

Rewards For Every Individual
Convert your Platinum Visa account to a Visa Rewards and earn rewards points. Use your Visa Rewards Card this holiday season. Earn double points Nov. 1 – Dec. 31 Triple points Nov. 29 – Dec. 2

Members using their Wauna Credit Union Visa Rewards Credit Card will earn double rewards points (two rewards points for each $1 purchase transaction) for purchases transacted between November 1 and December 31, 2019. Cardholders will earn triple rewards points (three reward points for each $1 purchase transaction) for purchases transacted on these specified dates: November 29 – December 2 (includes Black Friday, Show Local Saturday, and Cyber Monday); and, December 22-26. Double and triple points do not apply to balance transfers or cash advances, and reward points are non-transferable. Membership with Wauna Credit Union required. Complete promotion details available at waunafcu.org. This special offers ends December, 31, 2019.

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

It’s a Wauna Car Winter
Finance through Wauna Car
Receive 1.5% Rebate*

Wauna Credit Union members (current and new) who use the Wauna Car buying service to select a vehicle for purchase and use the Wauna Car online loan application for a qualifying (new or used auto, truck, SUV, van, hybrid, electric) will become eligible to receive an immediate cash rebate equal to 1.5% of the funded loan value. Minimum loan amount funded to qualify for the cash rebate offer: $5,000; maximum rebate amount: $500. Cash rebates paid to members may be forfeit if the loan balance is paid in full within 180-days of the loan funding date. No other special terms may be added to this offer. The 1.5% cash rebate offer ends at close of business December 31, 20193 Membership with Wauna CU required to be eligible for this special offer.

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

Cascade Crest Insurance
Protect Your Family and Home With Affordable Property Insurance
Get a quote today and compare rates.
Explore and discover your world. We’ve got you covered.
Cal today to get started
503-728-4391
www.cascadecrestinsurance.com

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

July 2019 Statement Insert – Where Are You Going This Summer, Individual Homeowners Welcome

Individual Homeowners 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
July 2019 Statement Insert Page 1
Where are you going this summer?
Get there with Visa Rewards.
VISA Rewards VISA Platinum
VISA For Every Individual
Federally insured by the NCUA

Cascade Crest Insurance
Protect Yourself. Your Family and Your Wallet
Compare Our Rates
Git A Free Insurance Quote Today !
Home – Auto – Business – Life – Specialty
Request a Free Insurance Quote Today!
Call 503- 728-4391

July 2019 Statement Insert Page 2

June 2019 Statement Insert

Visa for every Individual
Don’t miss getting your VISA Rewards card
Apply through July and get up to 30,000 Bonus Points*
Get the card that plays!
3.49% Intro APR* For VISA Rewards so you can play and get paid
Standard Rate after Intro Period: 11.15% APR – 17.90% APR
10,000 Bonus Points** After registering at scorecardrewards.com
20,000 Bonus Points** After account balance exceeds $999.99
Check out our VISA Platinum card with a 2.99% Intro APR* at waunafcu.org
Standard Rate after Intro Period: 9.90% APR – 17.90% APR
*APR: Annual Percentage Rate. This special offer is exclusive to new VISA platinum or Rewards credit card accounts opened on or before July 31, 2019. The special 6-Month Introductory Rate periods (Platinum 2.99% APR; Rewards 3.49% APR) apply to purchase balances for a maximum of 6 billing cycles following the account opening date. Qualifying Rewards credit card accounts are eligible to earn up to 30,000 Bonus Reward Points : 20,000 Points if their account balance exceeds $999.99 on or before August 31, 2019; and/or 10,000 Bonus Points when the account holder creates logon credentials and accesses the Scorecard
Rewards website on or before August 31, 2019. Some restrictions apply; Membership with Wauna Credit Union is required. This promotional offer ends July 31, 2019. Promotional details available at waunafcu.org.
24/7 Lending, waunafcu.org, 1-800-773-3236

Individual Homeowners Welcome
Eric & Jessica, Warren

Cascade Crest Insurance
Save Up to 25%
When you bundle home and auto
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Statement Insert June 2019 Page 1

Individuals Welcome at Wauna Credit Union
Apply 24/7, waunafcu.org, 800-773-3236
Anthony Krueger’s photography is treasured art here in Columbia County. Many of Anthony’s photographs are of the local landmarks we all know and love: the Columbia River, the Astoria-Megler Bridge, the truss bridge spanning the Nehalem River. His 26 years as a member of our community truly shines through in his work. In those 26 years, Anthony has built a family, tenured his art, and grown his career at the Wauna Mill. The best part of Anthony’s career? Flexibility to spend time with his children. “My family comes first before anything,” he says. Like so many of us, Anthony also loves the outdoors. His UTV, pictured above, was financed right here at your Credit Union. You too can enjoy the outdoors with a toy of your own. Now, through the end of July, Wauna Credit Union is offering special financing for motor homes, travel trailers, boats, motorcycles, ATVs, UTVs, and water craft. Get started today and receive a gift card of up to $250* with rates starting as low as 4.75% APR*. Anthony’s breathtaking art truly illustrates a deep respect for the place we call home, and Wauna Credit Union is honored to feature his talent.

*APR: Annual Percentage Rate. Promotional financing terms offered through July 31, 2019, and available for New and Used Purchase loans, and qualifying loans Refinanced from elsewhere to Wauna CU. Qualifying loan types include motor home, travel trailer, boat, motorcycle, ATV, and watercraft. Special terms are subject to change without notice. The loan range to qualify for the promotional terms is $2,000 to $49,999. Approved loans qualify for 60-Days No Payments (interest will continue to accrue during the 60-Days period) plus a VISA Gift Card based on the loan amount: $50 (loan $2,000-$4,999), $100 (loan $5,000-$14,999), $150 ($15,000-$24,999), and $250 (loan $25,000-$49,999). Rates & terms offered based on applicant’s credit worthiness and term of loan. RV-Toy Loan rates start at 4.75% APR for up to 48-months; other rates and terms are also available. Membership with Wauna CU required.

Statement Insert June 2019 Page 2

May 2019 Statement Insert

Insert page 1

Get the card that plays!
3.49% Intro APR*
For VISA Rewards so you can play and get paid

10,000 Bonus Points**
After registering at scorecardrewards.com

20,000 Bonus Points**
After account balance exceeds $999.99

* APR: Annual Percentage Rate. This special offer is exclusive to new VISA
Platinum or Rewards credit card accounts opened on or before July 31, 2019.
The special 6-Month Introductory Rate periods (Platinum 2. 99% APR; Rewards
3.49% APR) apply to purchase balances for a maximum of 6 billing cycles
following the account opening date, after which time the cardholder’s regular
Credit Card Account Agreement terms will apply; some restrictions may apply.
Qualifying Rewards credit card accounts are eligible to earn up to 30,000
Bonus Reward Points: 20,000 **Bonus Points if their account balance exceeds
$999.99 on or before August 31, 2019; and/ or 10,000 **Bonus Points when
the account holder creates logon credentials and accesses the Scorecard
Rewards website on or before August 31, 2019. Some restrictions apply;
Membership with Wauna Credit Union is required. This promotional offer ends
July 31, 2019. Promotional details available at waunafcu.org.

Individual Adventures Welcome
This could be yours for $173 per month*
This listed monthly payment is an estimate based on a loan amount
of $7,500 at 4.99% APR* for 48 months. Monthly payments may
vary based on individual credit worthiness and other factors

60-days no payments
Gift Card of up to $250
Finance new or used toys
Move your loan from elsewhere for same terms

*APR: Annual Percentage Rate. Promotional financing terms offered through July 31, 2019, and available for New and Used Purchase loans, and qualifying loans Refinanced from elsewhere to Wauna CU. Qualifying loan types include motor home, travel trailer, boat, motorcycle, ATV, and watercraft. Special terms are subject to change without notice. The loan range to qualify for the promotional terms is $2,000 to $49,999. Approved loans qualify for 60-Days No Payments (interest will continue to accrue during the 60-Days period) plus a VISA Gift Card based on the loan amount: $50 (loan $2,000-$4,999), $100 (loan $5,000-$14,999), $150 ($15,000-$24,999), and $250 (loan $25,000-$49,999). Rates & terms offered based on applicant’s credit worthiness and term of loan. RV-Toy Loan rates start at 4.75% APR for up to 48-months; other rates and terms are also available. Membership with Wauna CU required.

Insert Page 2

Grow Your Business in 2019 Seminar
Presented by Cascade Crest Insurance and Wauna Credit Union
Learn and apply marketing techniques,
commercial lending practices, and business
insurance strategy at this FREE event!
WHEN: June 17th 4PM-5:30PM
WHERE: St. Helens Public Library
WHO: Open to the public
Contact Cascade Crest Insurance at 503.543.5636 or
WCU at 800.773.3236 to learn more

Individuals Welcome at our Long Beach Location
Wauna Credit Union
24/7 Lending | waunafcu.org | 800-773-3236
Federally insured by the NCUA
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. Source Nerdwallet.com
Should you be paying less for auto insurance? Start a free quote and we’ll help you save.
Cascade Crest Insurance
Save today, get a free quote at www.cascadecrestinsruance.com

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
Save today, get a free quote at
www.cascadecrestinsurance.com
*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