Statement Insert – January 2018 Annual Meeting, Balance Transfer, HELOC

Wauna Credit Union
waunafcu.org 800-773-3236
All deposits up to @250,000 are insured by the National Credit Union Administration, and backed by the full faith and credit of the U.S. government.

2018 is here!
Make it a year of financial success!
Wauna Credit Union is ready to help!

51st Annual Meeting
Tuesday, March 20, 2018, 6:30 pm at the newly dedicated
Erlene Darby Learning Center
49249 Hwy 30, Westport, Oregon
Doors open at 6 pm/light refreshments served
The Governance Committee of 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.
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 other member who desires to run for the Board may do so now only by a nomination by petition signed by 211 credit union members over the age of 18-years.
An application may be requested by calling 1-800-773-3236, ext 3124 or ext 3115. Completed applications must be received by end of business on February 8, 2017, and may be mailed to Wauna Credit Union, Attn: Governance Committee, PO Box 67, Clatskanie, OR 97016, or may be turned in at any branch location by the end of business February 8, 2017.
The incumbents are:
Chrissy Johnson, Scappoose OR
Bob Perry, Vernonia OR
Jennifer Teeter, Astoria OR

Carrying too much high interest debt somewhere else?
Wauna Credit Union can help with an affordable balance transfer!
We offer great rates and bonuses on our VISA Rewards Credit Cards!
Get an extra special rate until February 17, 2018!
Plus take full advantage of our budgeting tools, free budget counseling and online financial literacy courses.
Apply at waunafcu.org or by phone: 800-773-3236
24 hours a day, 7 days a week

Elbows Deep in Home Improvement Projects?
A home equity line of credit can fix it all!
Wauna Credit Union offers affordable HELOCs for home improvements, for paying off debt, or whatever else you can think of. Apply 24/7
Home Equity Line of Credit loans offered on approved credit. Applicant’s interest rate and credit limit will be determined based on individual credit worthiness. Verification of income is required. Property insurance is required. If the property is located in a Special Flood Hazard Area we will require you to obtain flood insurance if it is available. Some restrictions apply. Non-members may apply for a HELOC; Membership with Wauna Credit Union is required for a HELOC to be funded. Visit waunafcu.org for member eligibility details.

Scholarships For Students
Wauna Credit Union supports our student members, one way we do this is with our annual scholarship opportunities. Applications are available on our website in mid-January, and will be accepted until April 16, 2018.

intuit TurboTax
Use TurboTax on waunafcu.org and save!
Dreaming about your tax refund?
Dream bigger – use TurboTax and be entered to win $25k! Plus, get member discounts when you use TurboTax through the link at waunafcu.org!

Be Ready For the Holidays in 2018
(or other year end expenses) Join the Holiday Club!
For decades, Wauna Credit Union has offered a Holiday Club account, with
a higher interest rate so members can earn more on their money! Members earn interest starting at a $50 balance, and as their balance grows, so does the bonus
dividend.
Members can set up automatic deposits for any amount they want to drop into the account daily, weekly, or monthly — which makes building your Holiday Club fund super simple! Then, around the end of October, the account empties right into your checking account to use for holiday shopping, property taxes, or other expenses.
Holiday Club accounts are a throwback to a bygone era, but still as relevant for saving as ever! While it’s a great way to save, most members don’t take advantage of this higher rate account or even know it exists. Stop in your local branch to start a Holiday Club account today, so you’ll be ready for the holidays
next year pain-free!

Live for Today! Plan for Tomorrow
Starting an IRA to save for retirement or your children’s college education can be easy and pain free. Speak to a Member Consultant at any Wauna CU branch to learn just how simple saving for the future can be. Our robust IRA program will help you play more and worry less.

Notice For Holders of IRAs
Payments from your IRA are subject to federal income tax withholding, unless you elect no withholding. You may change your withholding election at any time prior to your receipt of payment. To change your withholding election, complete
the appropriate form provided by Wauna Credit Union. Withholding from IRA payments, when combined with other withholding, MAY relieve you from payment of estimated income taxes. However, your withholding election does not affect the amount of income tax you pay. You may incur penalties under the estimated tax rules if your withholding and estimated tax payments are insufficient.

Wauna Credit Union is now serving cannabis-related businesses

We are now offering compliant, transparent banking services to cannabis-related businesses within our field of membership.

So, what does this mean?

It means that we have a responsibility to ensure that our services and practices are in-line with the credit union philosophy of “People Helping People.” We looked at the 25,000 members in multiple communities across a swath of cities and counties that we now serve, and knew that cannabis-related businesses are now established in all. By allowing cannabis-related businesses to have legitimate financial services, we are helping improve the safety and security of our members and the areas in which they live are.

Cannabis-related businesses often deal in cash-only transactions and so generally have large amounts of cash on-hand. Such circumstances can lead to an increase in crime or other dangerous activities. That being said, offering legal and compliant banking solutions to these businesses just makes sense to us – we are getting that cash off the streets and into a safe place.

“Serving the CRB industry, we become part of the solution and not part of the problem. The CRBs have difficulty forming banking relationships due to the limited number of credit unions and banks serving this industry. Providing banking services to this industry legitimizes these businesses. It also adds an element of safety and security to all of us that live and/or work in the community, which is in all of our best interests.”
— Robert Blumberg, CEO and President of Wauna Credit Union.

In addition, cannabis-related businesses are now legal businesses in Oregon and Washington. Those who choose to work in this field deserve to be treated fairly, and not required to hide the source of their money.

But it doesn’t mean we are taking this decision lightly. The cannabis industry possesses unique banking challenges. Cannabis is still illegal on a federal level and so Wauna Credit Union must adhere to many strict state and federal laws and policies.

We are covering our bases. We’ve assembled a specialized department to handle all due diligence and account opening for these accounts. An Oregon attorney is working with us to guarantee this program and the businesses with CRB accounts are fully complying with state law. Wauna Credit Union has zero tolerance for any type of deception or illegal activity. Accounts not complying with state and federal regulations will be closed immediately.

A safe community is a sound community, and Wauna Credit Union will continue to do what we can to see that we are contributing to bettering the places where we live and work. This sometimes requires making difficult decisions, sacrifices, and other changes. But if that means making things safer for the people we serve, then we are making the right decision.

Inquiries regarding Wauna Credit Union’s Cannabis Business Solutions account applications and opening procedures can be made at 800-773-3236.

Media inquiries may be directed to our Chief Marketing Officer Debi Smiley at 503-728-6116.

Statement Insert – December 2017 Extra Rewards Points, Holiday Loan, Supercharge Your Card

Page 1 of the December Statement

Double and Triple Rewards Points
Shop with a Wauna Credit Union Rewards VISA Credit Card to earn double rewards points during December.
Earn triple rewards points December 24th!
*VISA Rewards Credit Cardholders will earn double rewards points for purchases during November and December 2017. They earn triple rewards points for purchases conducted November 23 through 27 and December 24, 2017. Rewards points are not transferable. Complete promotion details available at waunafcu.org. Membership with Wauna Credit Union is requred. This special offer ends December, 31, 2017.

Need a Quick Holiday Loan?
Apply online 24 hours a day 7 days a week.
NCUA Federally Insured By NCUA
Equal Housing Opportunity.
800-773-3236 waunafcu.org NMLS 421867

Page 2 of the December statement

Supercharge Your Card
VISA Checkout: Add convenience and help ensure secure online transactions!
VISA 3-D Secure: Get your online purchases authenticated automatically!
Mobile Wallet: Make your phone your wallet! No More lost cards!
Card Valet: A free app for security. Alerts you every time your card is used. Turn your card off and on. Set spending limits.
Plus, we now offer VISA Account Updater, so when you get a new card all of your autopays update.

Statement Insert -November 2017 Supercharge Your Card, Extra Rewards

November Statement Insert Page 1

Sleigh The Season With Double and Triple Rewards Points
Shop with a Wauna Credit Union Rewards VISA Credit Card
to earn DOUBLE Rewards Points during November and December!
Earn TRIPLE Rewards Points November 23-27 and December 24th!

*VISA Rewards Credit Cardholders will earn double rewards points for purchases during November and December 2017. They earn triple rewards points for purchases conducted November 23 through November 27 and on December 24, 2017. Rewards Points are not transferable. Complete promotion details available at waunafcu.org. Membership with Wauna Credit Union is required. This special offer end December 31, 2017.

Who Says You Need Snow For a Festive Holiday?
Get a Vacation Loan from Wauna Credit Union and celebrate with your toes in the sand (instead of wool socks and boots)

Wauna Credit Union. Trusted since 1967.
800-773-3236, waunafcu.org, NMLS 421867

November Statement Insert Page 2

Supercharge Your Card
Introducing VISA 3-D Secure
Get your online purchases authenticated automatically!
Mobile Wallet
Make your phone your wallet! No more lost cards!
Samsung Pay, Android Pay, Apple Pay
Card Valet
A free app for security!
Alerts you every time your card is used.
Turn your card off and on
Set spending limits
Plus we now offer VISA Account Updater, so when you get a new card all of your autopays update.

A Letter from CEO Robert Blumberg on Data Security

In the wake of the Equifax breach, fraudsters may be even more prevalent in their attempts to steal your information. While this can be a very scary and unsure time, there are ways to protect yourself against potential fraud, including steps you can take right now.

Our staff is well-trained in sniffing out potential thieves and we are dedicated to the security of your finances, but you too need to be vigilant in protecting yourself and any other accounts you may have outside of the Credit Union.

Don’t click on web-links if they appear suspicious; don’t open attachments; and don’t respond to emails, text messages, or phone calls that are asking for your information — regardless of who the caller or sender is claiming to be.

Monitor your transactions daily and report irregular activity to us or to the card issuer, which you can do by dialing the 800 number on the back of your card. Update your code word, ensure we have your driver’s license on file, and change your passwords and PIN numbers. We also urge you to leverage the security alert services that Wauna Credit Union offers. Learn more by visiting our website at www.waunafcu.org.

In the meantime, rest assured that we are working around the clock to safeguard your personal information, and are here to answer any questions or concerns you may have.

Sincerely,

Robert Blumberg Signature

Robert Blumberg
CEO & President
Wauna Credit Union

Statement Insert – October 2017 Mobile Wallet, International Credit Union Day, Board of Directors Nominations, Account Updater, IRA

Quarterly Insert-OCT2017 Page 1Quarterly Insert-OCT2017- Page 2

Page 1
Mobile Wallet Is Here!
Wauna Credit Union just turned your phone into your wallet! We have agreements with the three major mobile wallet providers (Apple, Alphabet (Google/Android), and Samsung) so you can use your Wauna Credit or Debit cards with their mobile payment apps.
Signing up is simple. Pick your favorite mobile wallet, be it Apple Pay, Android Pay, or Samsung Pay, and add your Wauna Credit Union VISA or Debit card, then shop at participating locations.
With your Wauna Credit Card loaded on your mobile wallet, you can simply pay with your phone. Just tap it to the payment station and go on as normal — you don’t even need to open the app.
Samsung Pay, Android Pay, Apple Pay

Call for Nominations
Join our Board of Directors
Flip the page to learn how

International Credit Union Day is Oct. 19!
We’re Celebrating All Month
As a member/owner of Wauna Credit Union, you are taking an active role in one of the most vital democratic movements in the entire world!
Credit Unions are financial cooperatives. We improve communities and the lives of those in the community by helping people buy homes & cars, borrow & save money, and of course build credit. As a not-for-profit entity, instead of making profits, any extra income we earn goes back to our members in the form of lower rates & fees.
Please stop in any branch to help celebrate this great union! We’ll be giving away freebies, and members can win $$ all month! Plus, we’ll have snacks and raffles on Oct. 19 for the official ICU Day. See you there!

Page 2
Call for Nominations! Join Our Board of Directors
51st Annual Meeting Scheduled For Tuesday, March 20, 2018
Wauna Credit Union announces its annual Call for Nominations for candidates for the 2018 elections for its member-elected, volunteer Board of Directors. Elected officials help to set the direction and policies for our member-owned, member-directed financial institution.
Qualifying candidates must be a current Wauna CU member, at least 18 years of age, their membership shall be in good standing, and any potential conflict of interest does not exist, such as a close personal relationship with a Wauna CU official or employee. Other conditions may apply. Qualifying candidates will be interviewed by the Credit Union Governance Committee, which is responsible to select the final slate of candidates for the 2018 election. Candidate applications are now available at any branch, by mail (call to request: 800-773-3236), and on our website. The deadline to submit a completed application is close of business Friday, November 10, 2017. The By-Laws do offer a petition option; petition deadline is February 8, 2018. There will be no nominations from the floor during the 51st Annual Meeting.
If you have questions, please contact the Board Governance Committee Chair, Chrissy Johnston, at 503-728-6124 or by email at gcomm@waunafcu.org.
The next elections for open positions on the Board of Directors will be conducted by electronic ballot, commencing February 14, 2018, and concluding at Midnight, March 14, 2018. Election results will be announced during the business meeting of the 51st Annual Meeting, Tuesday, March 20, 2018, 6:30 p.m. at the Wauna Credit Union Learning Center, 49249 Hwy 30, Westport, Oregon.

New Card? No problem!
VISA Account Updater
Wauna Credit Union is proud to announce VISA Account Updater, a free, automatic service for members who have automatic payments connected to their WCU debit or credit cards.
Now, when you get a new Debit or Credit Card, VISA Account Updater automatically updates all of your installment payments and subscription services with participating merchants. That means no more missed payments when your card expires or needs replacing.
We’re working every day to make life easier for you.

Live For Today!
Plan for Tomorrow
Starting an IRA to save for retirement or your children’s college education can be easy and pain free. Speak to a Member Consultant at any Wauna CU branch to learn just how simple saving for the future can be.
We’ll help you play more and worry less.

Important Notice: For Holders of IRAs
Payments from your IRA are subject to federal income tax withholding, unless you elect no withholding. You may change your withholding election at any time prior to your receipt of payment. To change your withholding election, complete the appropriate form provided by Wauna Credit Union. Withholding from IRA payments, when combined with other withholding, MAY relieve you from payment of estimated income taxes. However, your withholding election does not affect the amount of income tax you pay. You may incur penalties under the estimated tax rules if your withholding and estimated tax payments are insufficient.

Statement Insert – September 2017 – Back-to-School, VISA for Vacation, Auto Sale, It’s Not Too Late for a Boat

 

Back To School Counting Down the Days Your Secret is safe with us Wauna Credit Union is ready to help make Back to School as painless as possible! Instant Money Loan Get up to $1000 in 30 minutes! Personal Loan Perfect for tuition and larger purchases! Visa Credit Cards Low Rates & Fees make this a perfect money saving solution! Apply online, over the phone, or visit any branch. NCUA Federally Insured by NCUA 800-773-3236 waunafcu.org NMLS # 421867 Planning an Autumn or Winter Trip Take your Wauna Credit Union VISA Rewards or Platinum Credit Card and save more! VISA for Vacation! On-Site Auto Sale Wauna Credit Union Dealers Market LLC Attention Members! September 14 15 and 16 At Dealers Market 51801 S Columbia River Hwy Scappoose, OR 97056 It's Not Too Late For A Great Rate On A Little Boat!

Back To School
Counting Down the Days?
Your Secret is safe with us.
Wauna Credit Union is ready to help make Back to School as painless as possible!

Instant Money Loan
Get up to $1000 in 30 minutes!

Personal Loan
Perfect for tuition and larger purchases!

Visa Credit Cards
Low Rates & Fees make this a perfect money saving solution!

Apply online, over the phone, or visit any branch.

NCUA Federally Insured by NCUA
800-773-3236
waunafcu.org
NMLS # 421867

Planning an Autumn or Winter Trip?
Take your Wauna Credit Union VISA Rewards or Platinum Credit Card and save more!
VISA for Vacation!
On-Site Auto Sale
Wauna Credit Union
Dealers Market LLC
Attention Members!
September 14, 15 and 16
At Dealers Market
51801 S Columbia River Hwy
Scappoose, OR 97056

It’s Not Too Late For A Great Rate On A Little Boat!

Statement Insert – August 2017 – Back-to-School, VISA for Vacation, Summer of Adventure

Wauna Credit Union August monthly statement

Counting Down? Your Secret is safe with us!
Let Wauna Credit Union help you gather all that school gear without wringing out your wallet! Clothes, supplies, computers, even tuition – We’ve got you covered with a variety of options: Try our Instant Money Loans, Personal Loans, and/or VISA Credit Cards!

Wauna Credit Union: Trusted since 1967
800-773-3236
waunafcu.org
NMLS# 421867
NCUA Federally Insured by NCUA
Wauna Credit Union membership is open to anyone who lives, works, attends or worships in Clatsop, Columbia and western Washington County in OR, or Pacific County in WA.

VISA for Vacation
For the perfect vacation, take a Wauna Credit Union VISA Rewards or Platinum Credit Card Along!
Low interest & few fees make our credit card a must in you wallet!
Apply online 24/7!

Summer of Adventure!
Have Fun Now!
Get that RV, Boat, Motorcycle, or Sport Vehicle today, with a great Wauna CU loan and create your own Summer Adventures!
The most affordable lender in town!

Backpack Program Needs Donations for Summer Months

Many children across the country must rely on free school lunch and breakfast programs in order to eat on a daily basis, and unfortunately Southwest Washington is no different. The services that provide help to the students see their funding drastically drop as their services are out of sight, out of mind for the majority people during the summer.

This leads to a huge problem for the students who use these services as a safety net. Without the funding in place come September, the programs are unable to provide the food and resources needed. Nationwide backpack programs emerged to help by supplying children in need with a backpack of prepared, or easy to prepare food, to sustain them over the weekend. The Backpack Program of Pacific County serves students at Long Beach Elementary, Ocean Park Elementary, Hilltop School, Ilwaco High School and Ocean Beach Alternative School for a total of over 200 kids per week.

Wauna Credit Union recognized the need the Backpack Program filled in the community and wanted to help. The credit union, with branches in Long Beach, Astoria, Warrenton, Clatskanie, Vernonia, St. Helens and Scappoose made the Backpack Program of Pacific County its official charity for the year and throughout the year fundraises for the organization in many different ways. Employees donate a portion of every paycheck to the Backpack program, raffle off tickets to Trailblazer games and even sell Sees Chocolate with 100 percent of the proceeds going to the charity.

“People associate backpack programs with schools, and forget about us once the mercury starts rising,” said Natalie Hanson, Backpack Program Co-Founder, “We’re really thankful that Wauna Credit Union continues to be involved. In addition to offering their support, they are offering to be a collection point for members of the community.”

Boy riding bike away

WCU has been successful so far, raising $6305 of its $12,000 goal for 2017, which has already helped to provide200 children weekend meals for 12 weeks. The summer is often a hard time to raise money for school children, as people often see the Backpack Program as a school-based endeavor. Wauna Credit Union is still actively soliciting contributions at all branches across Columbia and Clatsop counties in Oregon, and Pacific County in Washington.  in Astoria, Warrenton, Clatskanie, Vernonia, St. Helens and Scappoose, as well as the Mortgage Origination Office in Long Beach. Members can even call in to donate and have a Member Consultant transfer money directly to The Backpack Program.

“One of Wauna Credit Union’s core values is to be ambassadors in our communities and beyond,” said Jenifer Katon at Wauna Credit Union. “I cannot think of a better way to do that than through the Backpack Program. It serves the most underserved and vulnerable members of our communities. I am so thrilled to be able to give back to our communities through this program.”

More help is always needed in our area. According to Feeding America, the nationwide network of 200 food banks that leads the fight against hunger in the United States, 15.7 percent of Pacific County residents are food insecure, with many of the most vulnerable children.

Statement Insert – July 2017 – Summer of Adventure, Vacation Funding, Do Days of Summer

Wauna Credit Union July Checking Statement-Summer of Adventure, Vacation Financing, Do Days of Summer

It’s Your Summer Of Adventure!
HAVE FUN NOW! With an easy &
affordable loan on a sporty new ride!
All winter you’ve been dreaming of the warmth of summer, and we know you’ve been wishing for a new Motorcycle, Jet Ski, RV, or Boat to enjoy on those carefree days. We know, because we’ve been having those dreams too!
Wauna Credit Union wants to help you get that new Sport Vehicle now, so you can have fun today! We are ready to help with a super affordable loan and great terms.
Stop in your nearest branch, call 800-773-3236, or apply at waunafcu.org.

Dream Vacation?
A Personal Loan Can Make It Happen!
Live the dream with Personal
Vacation Loan today!
Ask us about getting a loan for the trip of your life, or apply online anytime at waunafcu.org. Start packing that suitcase

VISA for Vacation
Take a Wauna Credit Union VISA Rewards or Platinum Credit Card along with you & save big!
Low interest & few fees make our card a must in your wallet!
Apply online 24/7!

It’s the Do Days Of Summer!
Get Your Projects Done With A HELOC!
1.99% Promotional APR*
Finance up to 100% of Your Home Value
No Loan Origination Costs
*APR: Annual Percentage Rate. This Promotional financing applies to new HELOC accounts opened between April 1, 2017 and August 31, 2017. 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.  Verification of income is required. Property insurance is required. If the property is located in a Special Flood Hazard Area we will require you to obtain flood insurance if it is available. 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. You must pay a Re-Conveyance Fee at the end of the contract in order to release our lien. This fee will be determined at the time of re-conveyance. Maximum loan amount is determined by a variety of methods, including County RMV, AVM Report, or Appraised Value. 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 4.00% APR as of March 20, 2017) 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 March 20, 2017, the Variable Annual Percentage Rate for Home Equity Lines of Credit ranged from 4.00% to 12.00%. Home equity loans may qualify for tax deductible interest. Consult with your tax advisor for details. In no event will the regular APR be less than the Prime Rate 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. This promotional Home Equity Line of Credit enables qualified borrowers to finance up to 100% of their home value. Some restrictions apply. Membership with Wauna Credit Union required; visit waunafcu.org for member eligibility details. This special offer ends August 31, 2017.

50 Things to do with a HELOC from Wauna Credit Union
24 Go Solar
39 Rock Climbing Wall
32 A Tiny House

2017 Scholarship Winners Announced!
Congratulations
Beau Groom
Alexandrea Sage Miller
Cassidy Whitton
Chelsea Sapp
Jacob Hanes
Jadelynn Pickering
Jarod Shaw
Maisy Horness
Makenzie Jahn
Twyla Vittetoe
Good Luck

Get Ready For A Whole New ATM Experience!
Wauna Credit Union is launching “Interactive Teller Machines”
Live teller transactions on our ATMs : No robots, real local & live help!
Coming July 2017!

Wauna Credit Union 50 Years
Trusted Since 1967
Wauna Credit Union membership is open to anyone who lives, works, attends school or worships in Clatsop, Columbia and western Washington County in OR, or Pacific County in WA.
800-773-3236
waunafcu.org
NCUA
Federally Insured By NCUA