December Statement Insert – Annual Election

Annual Meeting and Board Nominee Notice

Our 54th Annual Meeting (you’re invited!) will be held on March 16th at 6pm Erlene Darby Learning Center 49249 Hwy 30 Westport, OR

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

Chrissy Johnston, Incumbent, Scappoose I am excited for the opportunity to continue serving on the Wauna Credit Union Board of Directors. I was born and raised in Scappoose, where I still live today. I’m a mother to three school aged children and a small business owner. Prior to owning my own businesses, I worked for a major bank for 12 years and worked my way up from a teller position to management. After the birth of my son, I left the bank to work for a credit union specializing in training new employees, which gave me a clear understanding of the difference between banks and credit unions. I am passionate about the credit union movement and the credit union philosophy of “people helping people.” I feel that my background and experience allow me to serve on the Wauna Credit Union Board of Directors, with a well-rounded approach and I would be honored to continue to represent the membership.

Jennifer Teeter, Incumbent, Astoria I have served on the Wauna Board of Directors for seven years and have been elected Finance Officer for six of those years. Wauna has grown substantially, in part due to the successful collaboration between members of the board. I would like to continue to be a part of Wauna’s future successes. I am an Audit Manager for Isler CPA, working from my home in Astoria, auditing local governments and non-profits. Before moving to Astoria/Warrenton in March 2013 I worked out of Isler’s office in Eugene. I look forward to continuing to serve you as a member of your board of directors.

Dr. Michael R Hoag, Scappoose I attended Scappoose schools, graduating in 1969. I attended Oregon College of Education (Western Oregon University now) and University of Oregon School of Dentistry ( OHSU ), graduating in 1976. I practiced general dentistry in Scappoose from 1976 until 1988. I then joined OHSU School of Dentistry in 1990 and retired from OHSU in 2010. While at OHSU, I worked in the Department of Restorative Dentistry as an Assistant Professor in the Department of Removable Prosthetics. I also worked in the Department of Behavioral Sciences as an instructor for Preventative Dentistry and as an instructor for Dental Hygiene in Dental Anatomy. For the Scappoose School District, I was an assistant girls basketball coach from 1978-1981 and 2000-2002, Varsity Girls Basketball Coach from 1982-1997. Varsity Softball Coach from 1996-2006. I also held various assistant coach positions in football, baseball and softball during my time there. I am currently an assistant softball coach. I have held leadership positions in the Scappoose Booster Club. I held a board position for Oregon Dental Service (Mada Health) from 1977-1980. I held the president position in the Scappoose Alumni Association from 2000-2010 and presided over two All School Reunions (2005, 2010). I volunteered as a softball coach, baseball coach, umpire and officer for Scappoose Little League for many years. I held a board position for six years in the Portland Softball Umpire’s Association. I officiated in two State 6A Softball Championship games (2011 and 2018) and was honored with the State of Oregon Softball Umpire of the Year in 2018. I was an ASA National Championship Umpire in 2012 for the 23U National Tournament. I have served on the Wauna Credit Union Supervisory Committee since 2016 and have been the chair for the past three years. I continue to be active in my community through working with our youth and alumni associations. I am currently assisting the Scappoose 100 year celebration committee in planning the City of Scappoose’s Centennial Celebration to be held in the summer of 2021. It is very important to give back to the community that has provided a great life for myself and my family. I have been married to Patti Heller for over 25 years and we have four children and eleven grandchildren. I am proud to be part of the Wauna Family and look forward to being part of 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 4, 2021

Reunion anual y aviso para los nominados de la junta nuestra 54a Reunion Anual se llevara a cabo el 16 de marzo a las 6:00 pm Erlene D arby Le arning Center 49249 Hwy 30 Westp ort, OR

La Junta Directiva ha aprobado tres nominados para tres puestos en la Junta Directiva de las solicitudes presentadas por los miembros. S us nombres e informaci6n biografica se incluyen a continuaci6n.

Chrissy Johnston, titular, Scappoose Estoy emocionado por la oportunidad de continuar sirviendo en la Junta Directiva de Wauna Credit Union. Naef y crecf en Scappoose, donde todavfa vivo hoy. Soy madre de tres ninos en edad escolar y propietaria de una pequena empresa. Antes de ser dueno de mi propio negocio, trabaje para un banco importante durante 12 anos y Trabaje mi camino desde un puesto de cajero a la gerencia. Despues del nacimiento de mi hijo, deje el banco para trabajar para una cooperativa de ahorro y credito que se especializa en capacitar a nuevos empleados, lo que me dio una idea clara de la diferencia entre las bancos y las cooperativas de ahorro y credito. Me apasiona el movimiento de las cooperativas de ahorro y credito y la filosoffa de las cooperativas de ahorro y credito de “la gente ayuda a la gente”. Siento que mis antecedentes y experiencia me penmiten fonmar parte de la Junta Directiva de Wauna Credit Union con un enfoque integral y serfa un honor para mf continuar representando a las miembros.

Jennifer Teeter, titular, Astoria He servido en la Junta Directiva de Wauna durante siete anos y he sido elegido Ofidal de Finanzas durante seis de esos anos. Wauna ha crecido sustancialmente en parte debido a la exitosa colaboraci6n entre las miembros de la junta. Me gustarfa seguir siendo parte de las exitos futuros de Wauna. Soy Gerente de Auditorfa para Isler CPA, trabajo desde mi casa en Astoria, auditando gobiemos locales y organizaciones sin fines de lucro. Antes de mudanme a Astoria/ Warrenton en marzo de 2013, trabaje en la ofidna de Isler en Eugene. Espero seguir sirviendole coma miembro de su junta directiva.

Dr. Michael R Hoag, Scappoose Asistf a las escuelas de Scappoose y me gradue en 1969. Asistf a la Facultad de Educaci6n de Oregon (Western Oregon University ahora) y la Escuela de Odontologfa de la Universidad de Oregon (OHSU), y me gradue en 1976. Practique odontologfa general en Scappoose desde 1976 hasta 1988. Luego me unf Facultad de Odontologfa de OHSU en 1990 y me retire de OHSU en 2010. Mientras estaba en OHSU, trabaje en el Departamento de Odontologfa Restauradora coma Profesor Asistente en el Departamento de Pr6tesis Removibles. Tambien trabaje en el Departamento de Ciencias del Comportamiento coma instructora de Odontologfa Preventiva y coma instructora de Higiene Dental en Anatomfa Dental. Para el Distrito Escolar Scappoose fui entrenadora asistente de baloncesto femenino de 1978-1981 y 2000-2002, entrenadora de baloncesto femenino universitario de 1982-1997. Entrenador de softbol universitario de 1996 a 2006. Tambien ocupe varios puestos de asistente de entrenador en futbol, beisbol y s6ftbol durante mi tiempo allf. Actualmente soy entrenador asistente de softbol. Ocupe puestos de liderazgo en el Scappoose Booster Club. Ocupe un puesto en la junta de Oregon Dental Service (Mada Health) de 1977 a 1980. Ocupe el cargo de presidente en la Asociaci6n de Antiguos Alumnos Scappoose de 2000 a 2010 y presidf dos Reuniones de Todas las Escuelas (2005, 2010). Me ofrecf coma entrenador de softbol, entrenador de beisbol, arbitro y oficial de Scappoose Little League durante muchos anos. Ocupe un puesto en la junta durante seis anos en Portland Asociaci6n de Arbitros de Softbol. Oficie en dos juegos del Campeonato Estatal de Softbol 6A (2011 y 2018) y fui honrado con el Arbitro del Ano de Softbol del Estado de Oregon en 2018. Fui Arbitro del Campeonato Nacional ASA en 2012 para el Torneo Nacional 23U. He servido en el Comite de Supervision de Wauna Credit Union desde 2016 y he sido el presidente durante las ultimas tres anos. He estado activo y sigo siendo activo en mi comunidad a traves del trabajo con nuestras asociaciones de j6venes y ex alumnos. Actualmente estoy ayudando al comite de celebraci6n de las 100 anos de Scappoose en la planificaci6n de la celebraci6n del centenario de la ciudad de Scappoose que se llevara a cabo en el verano de 2021. Es muy importante retribuir a la comunidad que ha brindado una gran vida para mf y mi familia. Estoy casada con Patti Heller desde hace mas de 25 anos y tenemos cuatro hijos y once nietos. Estoy orgulloso de ser parte de la familia de Wauna Credit Union y espero ser parte de la Junta Directiva.

Las elecciones no se llevaran a cabo mediante votacion y no habra nominaciones por parte del publico en la reunion anual cuando el numero de nominados sea igual al numero de puestos por cubrir, que es la situacion actualmente. Cualquier miembro que desee postularse para la Junta puede hacerlo ahora solo mediante una nominacion por peticion firmada por 270 miembros de la cooperativa de ahorro y credito que tengan al dia 18 aiios de edad o mas. Se puede solicitar una solicitud llamando al 1-800-773-3236, Ext 3124. Las solicitudes completadas pueden enviarse por correo a ATTN: Governance Committee P.O. Box 67 Clatskanie, OR 97016 o entregado en persona en cualquier sucursal. Las solicitudes completadas deben recibirse antes del cierre de operaciones el 4 de Febrero de 2021.

Inserto de declaración de Septiembre

Inserto de declaración de Septiembre

Convocatoria de nominaciones de nuestra Junta Directiva
y aviso de nuestra 54a reunión anual
¿Le gusta ayudar a en nuestra comunidad? ¿Le encanta Wauna Credit Union? Entonces usted es quien estamos buscando. Las solicitudes de candidatos ahora están disponibles para nuestra Junta Directiva de Voluntarios. Obtenga más información y presente su solicitud hoy mismo encontrando una solicitud en su sucursal local, por correo, o visitando https://waunafcu.org/about/annual-elections.shtml. Si desea ser considerado por el Comité de Nominaciones de nuestra Junta Directiva, envíe su solicitud completada antes de el cierre de operaciones el viernes 6 de noviembre. Le invitamos a entregar solicitudes en persona a cualquier sucursal por correo. Governance Comitee PO Box 67 Clatskanie, Oregon 97016.
Cuando: Nuestra 54a reunión anual (esta envitado!) se llevará a cabo el 16 de marzo a las 6 p.m.
Donde: Erlene Darby Learning Center 49249 Highway 30 Westport Oregon
Si tiene preguntas, comuníquese con el Comité de la Junta de Gobierno gcomm@waunafcu.org.
Esperamos contar con su presencia!

Nosotros y usted
Financiando su futuro. Ayuda en su presente.
Somos Bienvenidos
waunafcu.org, 800-773-3236, Ayuda 24/7
Asegurado por la NCUA

Aseguranza
Protege lo que amas
cascadecrestinsurance.com, 503-728-4391

September Statement Insert – Call for Board Nominations

Call for Board Nominations & Notice of our 54th Annual Meeting
Do you enjoy being involved in your community? Do you love Wauna Credit Union? Then you are just who we’re looking for! Candidate applications are now available for our volunteer Board of Directors. Learn more and apply today by finding an application at your local branch, by mail, or by visiting https://waunafcu.org/about/annual-elections.shtml. If you would like to be considered by the board’s Nominating Committee, submit your completed application by close of business on Friday, November 6th. You are welcome to deliver applications in person to any branch or by mail: Governance committee, PO Box 67, Clatskanie, OR 97016.
When: Our 54th Annual Meeting (you’re invited!) will be held on March 16th at 6pm.
Where: Erlene Darby Learning Center 49249 Hwy 30 Westport, OR
Questions? Contact the Board Governance Committee at gcomm@waunafcu.org.
We look forward to meeting you!


We Say Yes to Your Mortgage
Purchase, Refinance, Build
800-773-3236, waunafcu.org, 24/7 Lending
Federally insured by the NCUA
Equal Housing Opportunity

Insurance
Protecting What You Love
Individual Needs Welcome
cascadecrestinsurance.com, 503-728-4391

July Statement Insert

Cascade Crest Insurance
Car insurance through your credit union?
And a great rate?
And switching is easy?
Yes, yes and yes.
503-728-4391
www.cascadecredtinsurance.com

Did you recent insurance renewal bring you to tears?
We can help with discounted rates for being a WCU member
Cascade Crest Insurance
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June Statement Insert

Insert image - text below

Funds Availability Disclosure Changes effective July 1, 2020

The Funds Availability Policy Disclosure was updated July 1, 2020 to reflect inflationary increases to check hold amounts on deposits to transaction accounts. The amount of your deposit available on the first business day after the day of your deposit has increased from $200 to $225. The amount available on the second business day on special exception holds such as large deposits, new account deposits, and deposits to repeatedly overdrawn accounts increased from $5,000 to $5,525. The updated Funds Availability Policy Disclosure document is available on the credit union website. You may contact the credit union for additional information.

Important Information About Shared Branching

Effective June 30, 2020, Wauna Credit Union is no longer participating in CO-OP’s Shared Branching Network. Wauna Credit Union continues to maintain membership in the CO-OP ATM Network, which allows surcharge free withdrawals and deposits (where accepted) at over 35,000 locations nationwide.

Additionally, virtually every transaction done through Shared Branching can easily be completed via our U-Banking online and mobile banking tools, which may be accessed at waunafcu.org.

And, of course, you may always give us a call at 800-773-3236 if you need assistance accessing your money. We are here to help.

A Message from Our CEO and President

As a trusted, financial cooperative owned and operated by the honest and hardworking members of our communities for the past 53 years, we are committed to reducing inequality, hatred, and violence. Because your physical, mental, and financial well-being remain the highest of our priorities, it is not only our belief that all Wauna Credit Union service be delivered without judgement, bias, or fear, but also that as your allies in the fight for good, we believe in the credit union philosophy of people helping people. You are our people, and we are yours. Thank you for being a valued member, and thank you for being you.

Robert Blumberg
CEO and President

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We Say Yes To Your Mortgage
Purchase, Refinance, Build
waunafcu.org, 800-773-3236, 24/7 Lending
Individuals Welcome
Wauna Credit Union, Equal Housing Authority, Federally Insured by the NCUA
NMLS 421867
Every individual is welcome to apply for a mortgage. Membership is not required to submit an application.

May Statement Insert – Cash Back, 90-Days No Payments

Important Information About Shared Branching

Effective June 30, 2020, Wauna Credit Union is longer participating in CO-OP’s Shared Branching Network. Wauna Credit Union continues to maintain membership in the CO-OP ATM Network, which allows surcharge free withdrawals and deposits (where accepted) at over 35,000 locations nationwide.

Additionally, virtually every transaction done through Shared Branching can easily be completed via our U-Banking online and mobile banking tools, which may be accessed at waunafcu.org.

And, of course, you may always give us a call at 800-773-3236 if you need assistance accessing your money. We are here to help.

Cash Back

1%* cash back, 90-days no payments
Move your vehicle, watercraft, off-road, or unsecured loan to us
Individual Needs Welcome
#Keepthedistance, waunafcu.org, 24.7 Lending, #savelives

*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. 90-Days No Payments (interest will continue to accrue during the 90-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 June 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. Federally insured by the NCUA.

Cascade Crest Insurance

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April Statement Insert

The credit union philosophy is “People Helping People” – we live and breathe this philosophy, and are working
diligently to provide a full portfolio of products and services to assist during times of hardship or other interferences as
circumstances unfold. If you are worried about your finances or simply want to discuss possibilities, please contact us right away to review options. We have also made the decision to extend a variety of low-cost borrowing options, which may help contribute to your ability to cope and maintain the necessities of life for you and your families during times of need,
including our EZ$ Loan (up to $1,100), EZ$ Premium Loan (up to $2,600), and our Home Equity Line of Credit options. Above all, please contact us if you need help.
Robert Blumberg
CEO and President
Wauna Credit Union
24/7 Lending
waunafcu.org
800-773-3236
Federally insured by the NCUA
NMLS 421867

Letter from Robert

WaunaCU Now
Video Chat with A Member Consultant Live
Available Regular Business Hours Mon – Sat
WaunaCU Now lets you video chat with a local branch Member
Consultant directly from waunafcu.org/waunacu-now.shtml, or from the WaunaCU Now apps available from the Apple or Android app stores.
Because we want to keep the friendly face-to-face experience our members have come to expect, WaunaCU Now is staffed by our in-branch Member Consultants and Mortgage Team members. Don’t be surprised to see a familiar face on the screen.
WaunCU Now is available during regular business hours.
Mon-Thur 9 am – 5:30 pm
Fri 9 am – 6 pm
Sat 9 am -3 pm

Individual Needs Welcome

Cascade Crest Insurance
We’re here for you
Yes We’re Open
And ready to help you in any way we can. We’re working remotely, but it’s business as usual.
www.cascadecrestinsurance.com
503-728-4391

March Statement Insert

A note from Wauna Credit Union. This statement insert was sent to printers in early March, before the current COVID-19 pandemic, and resulting economic impact. The images, and copy in this month’s statement reflect a very different world than we are in today. Our programs, offerings, and incentives mentioned below, are still there to help you, our member owners.

Page 1 insert text below

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.

WE SAY YES
HOME EQUITY LINES OF CREDIT
1.99% APR* INTRO RATE FOR 6 MONTHS THEN EQUAL TO PRIME CURRENTLY 3.25% **PLUS 0 – 8%
BORROW UP TO 100% OF YOUR HOME’S VALUE
NO LOAN ORIGINATION COSTS

  • APR: Variable Annual Percentage Rate. This Promotional financing applies to new HELOC (Home Equity Line of Credit) accounts opened between February 1 and July 31, 2020. No closing costs except appraisal if required. Estimated appraisal cost: $745. Your interest rate and credit limit will be determined based on individual credit worthiness. An early closure fee (Title, Recording, Flood Determination; Total is approximately $250) is applied if the loan is closed within the first 36 months. A $35 annual fee will be waived if the Total Finance Charges paid during the previous 12 months is equal to or exceeds $35. The APR includes interest only and no other costs, and could change at any time. Variable Rate is equal to the Prime Rate index (currently 4.25°l APRas of March 5, 2020) as published in the Wall Street Journal and is subject to change. To determine the APR which will apply to your account, an interest rate margin (currently 0% APR – 8% APR) will be added to the current Prime Rate Index. In no event will the regular APR be less than the Prime Rate Index or more than18% APR or applicable state law. The 1.99% Promotional APR is available for 6 months after the loan is funded. At the beginning of the 7th month, your regular rate will be applied. Minimum monthly payment may change as a result of interest rate changes. Home Equity loans may qualify for tax deductible interest. Consult with your tax advisor for details. This promotional Home Equity Line of Credit enables qualified borrowers to finance up to 100% of their home value. There are no Loan Origination Costs. Some restrictions apply. Membership with Wauna Credit Union is required for a HELOC to be funded. Visit waunafcu.org for member eligibility details. This special offer ends July 31, 2020.
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Credit Union Youth Month
Individuals Welcome
Awesome Prizes! Magical Fun!
Open or deposit money into a youth account.
Youth members could win up to $200* or an Amazon Fire Tablet!*
Adopt-A-Teacher: Visit our website to nominate your favorite teacher. The teacher with the most votes wins $500!
*This promotion is limited to youth age 17 or younger who establish a new, personal membership Jump Start Club account during April 1-30, 2020. Wauna Credit  Union will deposit the initial $5 to qualifying members’ new account. Visit waunafcu.org for  membership eligibility  and promotional  prize details. To become eligible for the prize drawings, a minimum $5 deposit must be made to qualifying new youth member’s account before close of business Friday, April 30, 2020.  Winning entries will be determined by random drawing Monday, May 11th. Odds to win a prize: Approximately 1 in 150. No purchase is required. Prize values: 1 (one) Kid’s Fire Tablet @ $59 .99 (age eligibility : 0-10) ; 1 (one) Fire Tablet @ $ 59 .99 (age eligibility: 10-17) ; and, 1 (one) $100 deposited to recipient’s account (age eligibility: 0-17). Recipients will be contacted by the Credit Union. Scavenger Hunt prize value: $20; No entry required. Limited to any current member age 17 or younger. Available at all branches except Astoria Safeway and Long Beach. Wauna Credit Union, 101 Truehaak Street SE, Clatskanie OR 97016 .

You’re taking it easy
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www.cascadecrestinsurance.com (503) 728-4291

INDIVIDUAL GRADUATES WELCOME!
Apply for our Student Scholarships! Deadline is April 15th
Apply at: waunafcu.org

February Statement Insert: Home Equity, Loan Rebates, Credit card

Insert page 1

WE SAY YES
HOME EQUITY LINE OF CREDIT
1.99°10 APR* INTRO RATE FOR 6 MONTHS. THEN,
EQUAL TO PRIME RATE INDEX, CURRENTLY 4. 75°10
BORROW UP TO 100% OF YOUR HOME’S VALUE
NO LOAN ORIGINATION COSTS

*APR: Variable Annual Percentage Rate. This Promotional financing applies to new HELOC (Home Equity Line of credit) accounts opened between February 1 and July 31, 2020. No closing costs except appraisal if required. Estimated appraisal cost: $745. Your interest rate and credit limit will be determined based on individual credit worthiness. An early closure fee (Title, Recording, Flood Determination; Total is approximately $250) is applied if the loan is dosed within the first 36 months. A $35 annual fee will be waived if the Total Finance charges paid during the previous 12 months is equal to or exceeds $35. The APR includes interest only and no other costs, and could change at any time. Variable Rate is equal to the Prime Rate index (currently 4.75% APR as of Jan. 20, 2020) as published in the Wall Street Journal and is subject to change. To determine the APR which will apply to your account, a margin ( currently 0.00% APR – 8.50 APR) will be added to your current index rate. As of Jan. 20, 2020, the Variable Annual Percentage Rate for Home Equity Lines of Credit ranged from 4.00% to 12.00%. In no event will the regular APR be less than the Prime Rate Index or more than 18% APR or applicable state law. The 1.99% Promotional APR is available for 6 months after the loan is funded. At the beginning of the 7th month, your regular rate will be applied. Minimum monthly payment may change as a result of interest rate changes. Home equity loans may qualify for tax deductible interest. Consult with your tax advisor for details. This promotional Home Equity Line of Credit enables qualified borrowers to finance up to 100% of their home value. There are no Loan Origination Costs. Some restrictions apply. Membership with Wauna Credit Union is required for a HELOC to be funded. Visit waunafcu.org for member eligibility details. This special offer ends July 31, 2020. NMLS 421867

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.

Invest In Yourself
The future isn’t always predictable, but it’s better
to plan now than to have questions later. Not only do Individual retirement accounts (IRAs) offer significant tax advantages, but also, investing in an IRA at Wauna Credit Union sooner than later gives your money more time to blossom.

Looking to make a switch?
Get a quote today!
503.728.4391
www.cascadecrestinsurance.com
Cascade Crest Insurance

Insert page 2

Transfer your balances to us and save
0% Intro APR^ for 6 Months
Rewards APR After:
11.15% 18.00%
Platinum APR After:
9.90% – 17.90%
^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, nor 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.

Annual Meeting Reminder
Our 53rd Annual Meeting is Tuesday, March 17th at 6:30pm
Where: Erlene Darby Learning Center 49249 Hwy 30, Westport, OR
Doors open at 6pm.
Light refreshments served.
We look forward to seeing you there!

Wauna Credit Union
24/7 banking
waunafcu.org
800-773-3236
Equal Housing Opportunity

January Statement Insert – Rebate, Balance Transfer

REBATES For Every Individual
1%* cash back
60 days no payments
When you move your vehicle, watercraft, off-road, or unsecured loans to us.
Federally insured by the NCUA
*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.

Transfer your balances to us and save
0% Intro APR^ for 6 Months
Rewards APR After:
11.15% 18.00%
Platinum APR After:
9.90% – 17.90%
^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, nor 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.

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Cascade Crest Insurance