CALL FOR BOARD NOMINATIONS & NOTICE OF ANNUAL MEETING OUR 57TH ANNUAL MEETING WILL BE HELD ON MARCH 12TH AT 6:00pm ERLENE DARBY LEARNING CENTER | 49249 HWY 30 | WESTPORT, OR
Candidate applications are now available for our volunteer Board of Directors. Apply by picking up an application at your local branch, by mail, or by visiting waunafcu.org/about/annual-elections.shtml. Please submit your completed application by close of business on Monday, November 13th.
You are welcome to deliver applications in person to any branch or by mail: Governance Committee, PO Box 67, Clatskanie, OR 97016. Please contact gcomm@waunafcu.org with any questions.
There will be an option to watch this meeting virtually but members must be present to vote.
CONVOCATORIA DE NOMINACIONES DE NUESTRA JUNTA DIRECTIVA Y AVISO DE NUESTRA REUNIÓN ANUAL
NUESTRA REUNIÓN ANUAL NO 57 SE CELEBRARÁ EL 12 DE MARZO A LAS 6:00 P.M. ERLENE DARBY LEARNING CENTER | 49249 HWY 30 | WESTPORT, OR
Ya están disponibles las solicitudes de candidatos para servir en nuestra Junta Directiva de voluntarios. Presente su candidatura al recoger una solicitud en su sucursal local, por correo postal o visitando waunafcu.org/about/annual-elections.shtml.
Llene y envíe su solicitud antes de la hora de cierre del lunes 13 de noviembre. Puede entregar las solicitudes en persona en cualquier sucursal o por correo, enviándola a: Governance Committee, PO Box 67, Clatskanie, OR 97016. Si tiene alguna pregunta, por favor envíe un correo electrónico a gcomm@waunafcu.org.
Habrá una opción para asistir a esta reunión virtualmente, pero los miembros deben estar presentes para votar.
Coming Soon
SIMPLY FREE CHECKING
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Other fees such as non-sufficient funds, overdraft fees, etc. may apply. See fee schedule for details. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. We reserve the right to substitute a gift of similar value. Minimum opening deposit is only $50. Ask us for details. Wauna Credit Union rules and regulations apply. WCU Membership is required. Federally Insured by NCUA
5.00 APY* On our new short-term 7 month special certificate
3.00% APY* At the highest tier of an Elite+ Money Market
…and more! Ask your local Wauna Credit Union branch about savings, money market, and certificate account options. They can help craft a solution for your individual needs. Because you’re our neighbor, not a number
*APY: Annual Percentage Yield. The published APYs are accurate as of July 1, 2023. Members may contact the Credit Union for further information on applicable fees and terms. Federally insured by NCUA
Wauna Credit Union waunafcu.org 800.773.3236
IT’S YOUR EQUITY. USE IT YOUR WAY. Goals are individual, just like you. Our mortgage team is here to help.
HOME EQUITY LINES OF CREDIT HELOCs are a great way to give you the flexibility you need. You get to decide how much of your line you use, and only pay interest on the amount you’re using, while still being able to withdraw up to your approved limit whenever you need it. HELOCs aren’t limited to home improvement. You can use your line to pay for debt consolidation, education, personal, or medical expenses as well.
FIXED RATE HOME EQUITY LOANS Worried about the changing rate environment, or know you want to get all of your money at once?
A second mortgage can be the best way to go to get a fixed rate for the life of your loan. No need to worry about the rate going up. And just like a HELOC, you can use it whatever way you want.
Interest paid for a home equity loan and certain home improvement expenses may be tax deductible. Check with your tax advisor. Membership is required. Visit waunafcu.org for more details.
NMLS #421867 waunafcu.org | 800.773.3236 Federally Insured by NCUA
OUR 56TH ANNUAL MEETING WILL BE HELD ON MARCH 7TH AT 6:30pm 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.*
WILLIAM “BILL” DEJAGER: INCUMBANT MEMBER SINCE 2010 • BIRKENFELD, OR I am a lifelong resident of Oregon. I attended Clackamas High School, Oregon State University and I earned a PHD 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 garden 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 CU Board these past years. I look forward to serving again. Thank you.
ROBIN CLARKE MEMBER SINCE 1997 • RAINIER, OR As a longtime member of the credit union and current volunteer on the board, I would welcome the opportunity to continue to serve the membership and community. I grew up in Clatskanie, graduated from CHS and have a Bachelors in Business Information Systems from Linfield University. My husband Marc and myself have been running a family contract logging and log hauling business for 30 years now. We have two grown daughters, three grandsons, and one granddaughter. We live locally in the Rainier area. I am a past board member of the Rainier Drainage district and welcome the opportunity to serve, and improve our communities. I am interested in continuing to serve on the Wauna Federal Credit Union Board of Directors. It is an opportunity to serve my community in the spirt of volunteering. I believe that my experience and education with public service provides a unique skill set that can be beneficial to credit union members and the community in which I live. As a frequent member, I have always been greeted by friendly staff, helped with all types of financial transactions, and given advice. I would like to take this opportunity to provide some of my time to help those employees continue to provide that service while encouraging other community members to share my same experience.
ERICK HOLSEY MEMBER SINCE 2001 • CLATSKANIE, OR I am interested in continuing to serve on the Wauna Federal Credit Union Board of Directors. It is an opportunity to serve my community in the spirt of volunteering. I believe that my experience and education with public service provides a unique skill set that can be beneficial to credit union members and the community in which I live. As a frequent member, I have always been greeted by friendly staff, helped with all types of financial transactions, and given advice. I would like to take this opportunity to provide some of my time to help those employees continue to provide that service while encouraging other community members to share my same experience.
5.12% APY* on a 13-month saves certificate with one time bump-your-rate option *APY: Annual Percentage Yield. This special certificate account is open to new money only. The published APY is accurate as of December 19, 2022. Members may contact the Credit Union for further information on applicable fees and terms.
*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. Petition applications must be received by close of business on January 21, 2023. Federally insured by NCUA.
REUNIÓN ANUAL Y AVISO PARA LOS NOMINADOS DE LA JUNTA NUESTRA
56ª REUNIÓN ANUAL SE LLEVARÁ A CABO EL 7 DE MARZO A LAS 6:30pm ERLENE DARBY LEARNING CENTER | 49249 HWY 30 | WESTPORT, OR La Junta Directiva ha aprobado tres nominados para tres puestos en la Junta Directiva de las solicitudes presentadas por los miembros. Sus nombres e información biográfica se incluyen a continuación.*
WILLIAM “BILL” DEJAGER: INCUMBENTE MIEMBRO DESDE 2010 • BIRKENFELD, OR He vivido en Oregon toda mi vida. Asistí a la Preparatoria Clackamas (CHS), la Universidad Estatal de Oregon y obtuve un doctorado en Economía de la Universidad Estatal de Portland. Estoy casado con Sheila, una compañera de preparatoria. Tenemos dos hijas y tres nietas. Soy jubilado de la Fuerza Aérea y la Guardia Nacional Aérea de los Estados Unidos. Sheila es una contadora pública jubilada. Actualmente estamos dedicados a disfrutar de nuestra jubilación, cuidar nuestro huerto e involucrarnos activamente en actividades de voluntariado. Hace unos años, presté servicios en la Junta del Distrito de Protección contra Incendios Rurales de Mist-Birkenfeld, la Junta del Consejo de la Cuenca de Upper Nehalem y la Junta del Distrito de Conservación del Suelo y el Agua de Columbia. Agradezco inmensamente haber tenido la oportunidad de representarlos en la Junta Directiva de Wauna estos últimos años. Espero poder tener la oportunidad de servir nuevamente. Muchas gracias.
ROBIN CLARKE – MIEMBRO DESDE 1997 • RAINIER, OR Como miembro de esta cooperativa de ahorro y crédito desde hace mucho tiempo y voluntaria actual en la Junta directiva, agradecería la oportunidad de continuar sirviendo a los miembros y comunidad. Crecí en Clatskanie, me gradué de la Preparatoria Clatskanie (CHS) y tengo una licenciatura en Sistemas de Información Comercial de la Universidad de Linfield. Mi esposo Marc y yo llevamos 30 años administrando un negocio familiar de tala de árboles y transporte de troncos. Tenemos 2 hijas adultas, tres nietos y una nieta. Actualmente vivimos en la zona de Rainier. Serví como miembro de la Junta del Distrito de Rainier Drainage y me encantaría tener la oportunidad de servir y mejorar nuestras comunidades.
ERICK HOLSEY MIEMBRO DESDE 2001 • CLATSKANIE, OR Me encantaría continuar sirviendo en la Junta Directiva de Wauna Federal Credit Union. Es una oportunidad de servir a mi comunidad por medio del espíritu de voluntariado. Siento que mi experiencia y educación en el servicio público, me brindan un conjunto de habilidades único que puede ser beneficioso para los miembros de las cooperativas de ahorro/crédito y la comunidad en la que vivo. Como miembro frecuente, siempre he sido recibido por un personal amable, ayudado con todo tipo de transacciones financieras y consejos. Me gustaría aprovechar esta oportunidad para brindar parte de mi tiempo en ayudar a esos empleados a continuar brindando ese servicio amable y animar a otros miembros de la comunidad a tener una experiencia similar a la mía.
Save more Stay flexible Ask about our rates on certificate accounts, checking, IRAs, & more
*Las elecciones no se llevarán a cabo mediante votación y no habrá nominaciones por parte del público en la reunión anual cuando el número de nominados sea igual al número de puestos por cubrir, que es la situación actualmente. Cualquier miembro que desee postularse para la Junta puede hacerlo ahora solo mediante una nominación por petición firmada por 270 miembros de la cooperativa de ahorro y crédito que tengan al día 18 años de edad o más. 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 21 de Enero de 2023.
CALL FOR BOARD NOMINATIONS & NOTICE OF ANNUAL MEETING
OUR 56TH ANNUAL MEETING WILL BE HELD ON MARCH 7TH AT 6:30pm AT THE ERLENE DARBY LEARNING CENTER | 49249 HWY 30 | WESTPORT, OR
Candidate applications are now available for our volunteer Board of Directors. Apply by picking up an application at your local branch, by mail, or by visiting waunafcu.org/about/annual-elections. Please submit your completed application by close of business on [Monday, November 8th]. You are welcome to deliver applications in person to any branch or by mail: Governance Committee, PO Box 67, Clatskanie, OR 97016. Please contact gcomm@waunafcu.org with any questions. There will be an option to attend this meeting virtually.
DIRECTIVA Y AVISO DE NUESTRA REUNIÓN ANUAL
NUESTRA REUNIÓN ANUAL SE LLEVARÁ A CABO 7 DE MARZO DE 2023 A LAS 6:30pm ERLENE DARBY LEARNING CENTER | 49249 HWY 30 | WESTPORT, OR CONVOCATORIA DE NOMINACIONES DE NUESTRA JUNTA
Las solicitudes para candidatos ya están disponibles para esta junta directiva voluntaria. Las solicitudes estan disponibles en su succursal local o’por correo y tamiben visitando la website de waunafcu.org/about/annual-elections. Envíe su solicitud, antes del cierre de operaciones el [8 de Noviembre]. Personalmente o por correo en nuestras surcrsales. Lugar, PO Box 67, Clatskanie, OR 97016. Si tiene preguntas por favor de comunicarse cone al comite de Gobierno: gcomm@waunafcu.org. Habrá una opción para asistir a esta reunión virtualmente.
Let Your Home Pick up the Bill Whatever You’re Dreaming, A HELOC Can Make it Happen Plus get a $50 Gift Card* Wauna Credit Union 24/7 Lending NMLS #421867 waunafcu.org 800-773-3326 *Upon loan approval, current and new members who open a new home equity line of credit will receive a $50 gift card to a home improvement store of their choice. Retailers will vary by location and availability. These terms are subject to change without notice. Rates & financing are offered based on applicant’s credit worthiness and term of the loan. This promotional offer ends on June 30, 2022. Membership with Wauna CU required to be eligible for this special offer. Federally insured by NCUA. Equal Housing Lender
Deja Que Tu Casa Pague La Cuenta Todo Lo Que Has Soñado, Un HELOC Lo Puede Hacer Realidad Recibe una tarjeta de regalo de $50* Wauna Credit Union Préstamos 24/7 NMLS #421867 waunafcu.org 800-773-3236 *Sobre aprobación de tu préstamo, todos los miembros que abren una nueva línea de crédito de capital para viviendas van a recibir una tarjeta de regalo de $50 para una tienda de renovaciones en tu área. Los minoristas varían según la ubicación y la disponibilidad. Estos términos están sujetos a cambios sin previo aviso. Las tasas y el financiamiento se ofrecen en función de la solvencia crediticia del solicitante y el plazo del préstamo. La promoción termina el 30 de junio, 2022. Necesitas ser miembro con Wauna Credit Union para ser elegible para esta oferta especial. Asegurado federal por NCUA. Equal Housing Opportunity
Let Your Home Pick Up the Bill Whatever you’re dreaming, a HELOC can make it happen. +get a $50 gift card* *Upon loan approval, current and new members who open a new home equity line of credit will receive a $50 gift card to a home improvement store of their choice. Retailers will vary by location and availability. These terms are subject to change without notice. Rates & financing are offered based on applicant’s credit worthiness and term of the loan. This promotional offer ends on June 30, 2022. Membership with Wauna CU required to be eligible for this special offer.
Chose Your Own Loan Adventure no payments for 90 days +$100 or 1% cash reward +30 days no payments*
Promotion Special Terms: Upon loan approval, current and new members who refinance a qualifying loan currently financed elsewhere to Wauna Credit Union become eligible to choose one of two Loan Reward Promotion offers: Option #1. An immediate Cash Reward equal to 1% of the approved loan value, plus 30-Days No Payment (interest will continue to accrue during the No Payment period); Or, Option #2. An immediate $100 Cash Reward, plus 90-Days No Payments (interest will continue to accrue during the 90-day period). 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 Reward allowed is $500 per qualifying loan. These special Reward terms are subject to change without notice. Rates & financing are offered based on applicant’s credit worthiness and term of the loan. This promotional offer ends on June 30, 2022. Note: the promotional cash reward 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.
OUR 55TH ANNUAL MEETING WILL BE HELD ON MARCH 8TH AT 6:30pm 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.
JILL HULT • MEMBER SINCE 2018 • ASTORIA, OR – Jill Hult has been serving on the Board of Directors since 2019. She currently owns I Communicate You—a job development business—and additionally provides résumé and cover letter writing services. Jill recently received a provisional certification as a benefit planning counselor for people who are on SSI/SSDI. Jill will be returning to school to complete her Master’s Degree in Communications at PSU. In her spare time, Jill enjoys spending time with family and friends, volunteering, writing and participating in Vernonia Writer’s Group, hiking, riding bicycles or four wheelers, playing some pickle ball, puzzles, dancing, and yes, admittedly, karaoke!
BETH VAN ELSWYK • MEMBER SINCE 2007 • VERNONIA, OR – Beth van Elswyk is a co-founder/partner of Wiesow Management, an Industrial Hemp Services and Supply company. Beth thrives in the chaos of growth and change with a focus on customer service and training campaigns to create ROI. She credits her ongoing success in challenging business climates to a combination of Matshushita and Drucker Management principles. After a long-term commitment with SMMR Sergeant McDowell’s Military Relief as VP, she now serves on the Hemp Task Force for ASTA American Seed Trade Association and speaks on hemp and regenerative agriculture at various non-profits. When she isn’t hempin’, you’ll find Beth flying her drones at various North Coast scenic venues, creating video content, or with her wife in Long Beach, WA at Funland earning arcade points to win small kitchen appliances.
GEORGE DUNKEL • MEMBER SINCE 2009 • SCAPPOOSE, OR – George Dunkel was born in Astoria and resided in the community of Wauna before moving to Scappoose. He graduated from Linfield College, spending three years in management training with Western Bank in St. Helens. George served as Fire Chief of Columbia River Fire & Rescue for seven years and currently serves as Chair of the Oregon Fire Chiefs Foundation. He also serves on the board of the International Fire Service Training Association and as a member of the Kiwanis Club of St. Helens. George works with local governments as the Administrator of the Consulting Services Program for Special Districts Association of Oregon and believes that his experience, good natured personality, and proactive approach to challenges will assist WCU in meeting its vision. He and his wife of 36 years, Vicki, enjoy their three married daughters/sons-in-law and six grandchildren.
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. Petition applications must be received by close of business on February 1, 2022.
CHOOSE YOUR OWN LOAN ADVENTURE waunafcu.org 800.773.3236
No payments for 90 days and $100 OR
1% cash reward and no payments for 30 days
Promotion Special Terms: Upon loan approval, current and new members who refinance a qualifying loan currently financed elsewhere to Wauna Credit Union become eligible to choose one of two Loan Reward Promotion offers: Option #1. An immediate Cash Reward equal to 1% of the approved loan value, plus 30-Days No Payment (interest will continue to accrue during the No Payment period); Or, Option #2. An immediate $100 Cash Reward, plus 90-Days No Payments (interest will continue to accrue during the 90-day period). 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 Reward allowed is $500 per qualifying loan. These special Reward terms are subject to change without notice. Rates & financing are offered based on applicant’s credit worthiness and term of the loan. This promotional offer ends on June 30, 2022. Note: the promotional cash reward 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.
Call for Board Nominations & Notice of our 55th Annual Meeting Candidate applications are now available for our volunteer Board of Directors. Apply by picking up an application at your local branch, by mail, or by visiting https://waunafcu.org/about/annual-elections.shtml. Please submit your completed application by close of business on Monday, November 8th. You are welcome to deliver applications in person to any branch or by mail: Governance Committee, PO Box 67, Clatskanie, OR 97016. When: March 8, 2022 at 6pm Where: Erlene Darby Learning Center 49249 Hwy 30 Westport, OR (pandemic protocols may require a virtual meeting) Questions? Contact the Board Governance Committee at gcomm@waunafcu.org.
Member Notice Starting December 1, 2021, we will begin closing Share Advantage accounts with a $0 balance and no usage for 60 consecutive days, which will close your WCU membership for that account. We will also close other accounts that have a $0 balance and are 365 days from last activity.
Convocatoria de nominaciones de nuestra Junta Directiva y aviso de nuestra 55a reunión anual Las solicitudes para candidatos ya están disponibles para esta junta directiva voluntaria. Las solicitudes estan disponibles en su succursal local o’por correo y tamiben visitando la website de waunafcu.org/about/annual-elections.shtml.Envíe su solicitud, antes del cierre de operaciones el 8 de Noviembre. Personalmente o por correo en nuestras surcrsales. Lugar, PO Box 67, Clatskanie, OR 97016. Cuándo: 8 de marzo de 2022 a las 6 pm Dónde: Erlene Darby Learning Center 49249 Hwy 30 Westport, OR (protocal pandemicol) Si tiene preguntas por favor de comunicarse cone al comite de Gobierno. gcomm@waunafcu.org. Aviso para miembros A partir del 1 de Diciembre del 2021, cerrararemos cuentas “Share Advantage” con saldo de $ 0 y sin uso durante 60 días consecutivos, y no tendra membresía con WCU. También cerraremos cuentas inactivas con unperiodo de 365 dias de inactividad.
On June 30, 2021 Governors Brown (OR) and Insley (WA) lifted all restrictions regarding COVID-19 precautions that have been in effect since last year. OSHA has still not announced any changes, however, with the guidance from the states, we too are lifting the precautions.
This means:
Masks are no longer required in-branch. Anyone is welcome to continue to wear a mask should they feel more comfortable doing so.
We are not asking members to prove they’ve been vaccinated in order to enter the branch
Vaccinated staff members have provided the necessary proof to WCU Human Resources
Employees may unmask if they are 2 weeks past their final dose or are fully vaccinated otherwise
Employees who do not provide proof of vaccination two weeks past their final does MUST continue to wear a mask at work
Employees who are fully vaccinated, verified, and allowed to remove their mask may still choose to wear one
For those wishing to take increased precautions. We recommend all members use our U-Banking online and app banking, which is available 24/7, and our Video Teller Units to conduct your financial transactions and keep yourself safe. If you have questions regarding your accounts, please send us a secure message within U-Banking, or call the Virtual Branch at 800-773-3236 (Monday-Thursday 9 am – 5:30 pm, and Friday 9 am – 6 pm). In addition, our Video Teller Units are available Monday-Thursday 9 am – 5:30 pm, Friday 9 am – 6 pm, and Saturday 9 am – 3 pm)
Cascade Crest Insurance may save you more! Ask for a quote.
*Qualifying loan types include motor home, travel trailer, boat, motorcycle, ATV, and watercraft. Some restrictions apply and rates are subject to change without notice. Rates & terms offered based on applicant’s credit worthiness and term of loan. Membership with Wauna CU required. Federally insured by NCUA. Contact us by calling 800-773-3236 or visiting www.waunafcu.org.
Build Build Refinance with Wauna Credit Union waunafcu.org, 800-773-3236, 24 7 Lending Federally Insured by the NCUA, NMLS 421867 Equal Housing Lender
