January Statement Insert Roll Into Rebates

January 2019 Statement Insert Page 1

Balance Presents

Webinar for the Win Contest

You might win $1,000 for organizing your finances

Attend a Balance free financial webinar to enter.

It’s the perfect time to get the guidance you need

Visit bit.ly/WebinarForTheWinRules for official rules

January 21 – April 19, 2019

Individuals Welcome

You’re not a number. You’re an individual

Roy Tuomi, Wauna Credit Union Member

Upgrade your loan and roll into rebates

Refinance

Get 1% cash back

60 days no payments

All vehicles, watercraft, off road, unsecured loans and more

Can be refinanced

Wauna Credit Union

24/7 Lending, waunafcu.org, 800-773-3236

Federally Insured by the NCUA

Upon loan approval, current and new Wauna CU members who refinance a loan currently financed elsewhere to Wauna Credit Union qualify to receive: 1. an 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, 2019. 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.

January Statement Insert Page 2

Invest in Yourself

Open or contribute to your IRA with WCU. We’re safe and insured

 

Weighed Down by Your Credit Cards?

Transfer online or in branch

Receive 2x the rewards*

2.99% APR Intro Rate*

Transfer your balances and save!

*The special 9-month and 13-month Certificate Accounts minimum deposit requirement is $10,000 New Money only to open the account; New Money may not originate from another Wauna Credit Union deposit account. Deposits exceeding the $10,000 New Money minimum deposit are not restricted. The special 9-month Certificate Account APY is 2.019% and the Dividend Rate is 2.00%. The special 13-month Certificate Account APY is 2.29% and the Dividend Rate is 2.267%. Some fees could reduce earnings. The special 9-Month and 13-Month Certificate Accounts are also available as an IRA. Early withdrawal penalty: We may impose a penalty if you withdraw any of the principle before the maturity date, or the renewal date if it is a renewal account. This special offer is available through January 31, 2019, and may be terminated without notification. Membership with Wauna Credit Union required to be eligible for this special offer. Please contact Wauna Credit Union for membership eligibility details.

52nd Annual Meeting

Tuesday March 12, 2019

6:30 PM

Erlene Darby Learning Center

49249 Hwy 30

Westport, OR

 

December 2018 Statement Insert – Individuals Welcome, Elite MM,

Page 1

Invest in Yourself
Certificates with special rates starting in January
IRAs included
9-month
13-month
Wauna Credit Union
Learn more in branch or online

Individuals Welcome
You’re not a number. You’re an individual.
waunafcu.org
800-773-3236
Federally Insured by the NCUA

Page 2

Get started on your
Elite Money Market Account
The more you invest, the higher you’ll go
Dazzling rates
Safe and secure
Rate climbs with deposit size Credited monthly

Weighed down by your credit cards
Transfer your balances and save
Transfer online or in branch
Receive 2x the rewards*
2.99% Intro Rate*
waunafcu.org, 800-773-3236
Federally Insured by the NCUA
*APR-Annual Percentage Rate. The special 2.99% Introductory Rate applies to qualifying balance transfers processed through April 30, 2019. The Introductory Rate will begin on the transaction date(s) during the promotion period, and remain in effect through the 6th billing cycle, at which time the account holder’s original Credit Card Account Agreement terms will apply. VISA Rewards accounts also earn two (2) Rewards Points for each $1 of the approved total balance transferred. Balance transfers from other accounts issued by Wauna Credit Union, or any amount of debt which would cause the account holder’s credit card balance to exceed their credit limit, are prohibited. A Balance Transfer Fee of 3% of the total balance to be transferred, or a minimum fee of $20, whichever is greater, will be assessed at the time the balance transfer request is approved. This special promotional offer ends at close of business April 30, 2019. Complete promotion details available at waunafcu.org. Membership with Wauna Credit Union is required.

November Statement Insert – Stuff Your Stocking, Personal Loans

November Statement Page 1

Stuff Your Stocking
Reward yourself this holiday season with our
Wauna Credit Union VISA Rewards card!
Double* rewards points for purchases made in November and December.
Triple* rewards points for purchases on Nov. 22-26 & Dec. 22-26.
New accounts receive 5,000 rewards points.

*Members using their Wauna Credit Union VISA Rewards Credit Card
will earn Double Rewards Points (2-Two Rewards Points for each $1
purchase posted to their account) between November 1 and
December 31, 2018. Members will also earn Triple Rewards Points
(3-Three Reward Points for each $1 purchase posted to their account)
for qualifying purchases made on these dates: November 23 (Black
Friday); November 24 (Shop Local Saturday); November 26
(Cyber-Monday); December 21-24; and, December 26 (Day after
Christmas). New VISA Reward Credit Card accounts opened
November 1-30, 2018, qualify for 5,000 Immediate Rewards Points,
and are eligible for the Double and Triple Rewards Points special offer.
Membership with Wauna Credit Union required. Rewards Points are
non-transferrable. Complete promotion details available at
waunafcu.org. This special offer ends December 31, 2018.

Wauna Credit Union
Apply 24/7
waunafcu.org
800-773-3236
NCUA
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government
National Credit Union Administration, a U.S. Government Agency

November Statement Page 2What’s Down Your Chimney?
Something special for our members, a home equity line of credit?
At Wauna Credit Union, home of the Strong Mortgage

Need some extra spending money to make the season merry?
A personal or lifestyle loan might be just the thing Santa ordered!

Equal Housing Opportunity
Apply 24/7
waunafcu.org
800-773-3236
NMLS #421867

October Monthly Insert

October Insert Page 1

Stuff Your Stocking
This holiday season reward yourself with your
Wauna Credit Union Visa Rewards card!
Every purchase in November and December earns
double rewards points.
Purchases on Nov. 22-26 & Dec. 22-26 earn
triple rewards points.
In addition every new Visa Rewards Credit
Card opened in November
automatically receive 5,000 rewards points
Members using their Wauna Credit Union VISA Rewards Credit Card
will earn Double Rewards Points (2-Two Rewards Points for each $1
purchase posted to their account) between November 1 and
December 31, 2018. Members will also earn Triple Rewards Points
(3-Three Reward Points for each $1 purchase posted to their account)
for qualifying purchases made on these dates: November 22 – 26, 2018
(Black Friday, Shop Local Saturday, Cyber-Monday, etc.); and December
21-26. New VISA Reward Credit Card accounts opened November
1- 30, 2018, qualify for 5,000 Immediate Rewards Points, and are eligible
for the Double and Triple Rewards Points special offer. Membership
with Wauna Credit Union required. Rewards Points are non-transferable.
Complete promotion details available at waunafcu.org. This special offer
ends December 31, 2018.

Wauna Credit Union
waunafcu.org
800-773-3236
Apply 24/7
NMLS# 421867
Our mission is to provide opportunities for
our members to build their financial well-being

NCUA
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.

 

October Insert Page 2

Virtual Teller Units
Now Here
Astoria – Warrenton
October 2018

I am very futuristic, but unlike some futuristic things, I am
secure, east to use, and the folks who pop up on my screen
are not located somewhere else in the worlds; they are in
Astoria. With a simple touch, you can talk to them…Live.
And guess what? If you don’t feel like chatting, I am an ATM too!
See you soon!
Tim

What’s Down Your Chimney?
Maybe it’s a home equity loan from Wauna
Credit Union that will give you the extra
help you need for that spring time home
improvement project, which can lead to
peace of mind and an extra merry season.

Equal Housing Opportunity
NMLS #431867

September Statement Insert – Call for nominations, International Credit Union Day, IRA, Credit Card

Page 1

Call for Nominations: Join the WCU Board of Directors
Do you enjoy being involved in your community? Do you love Wauna Credit Union? If you answered ‘yes’ to any of the above, 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 grabbing 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 5, 2018. You are welcome to deliver applications in person to any branch or by mail: Governance committee, PO Box 67, Clatskanie, OR 97016. Our 52nd Annual Meeting (you’re invited!) will be held on Tuesday, March 12, 2019, 6:30 pm at the Erlene Darby Learning Center, located at 49249 Hwy 30, Westport, Oregon. Questions? Contact the Board Governance Committee at gcomm@waunafcu.org. We look forward to meeting you!

October 18, 2018 Is International Credit Union Day
This year, we’re celebrating International Credit Union Day’s platinum anniversary, a chance to look back after 70 years and be thankful for the lives and communities that have been improved by the unique principles and actions of our movement. Stop by a Wauna CU branch to celebrate or use the hashtag
#PlatinumliningFound on Twitter, Linkedln, Facebook, and Instagram to tell us how your credit union has made a difference.

Wauna Credit Union
waunafcu.org
800-773-3236
Apply 24/7
NMLS# 421867
Our mission is to provide opportunities for
our members to build their financial well-being

NCUA
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.

 

Page 2

Looking to grow your savings?
Find out about our IRA program and let Wauna Credit Union help you build your financial well-being.

Bank Transfer Day, Wednesday, November 5, 2018
Move your big bank accounts over to a credit union. Transferring your accounts is easy with WCU’s Click Switch. By moving completely over to a credit union, you’ll begin to own your banking experience, and keep your money in the Community.

Go to waunafcu.org to find out how you can win tickets to the big game in February just for using your WCU Visa.

Your Wauna Credit Union Visa card is packed full of features and benefits that make it the best choice for your everyday purchases, and your big ticket items.
Every WCU card comes with:
VISA Checkout, Wauna Credit Union’s newest tool to add convenience and help ensure secure online transactions.
Mobile Wallet puts your credit or debit card directly on your mobile device. It’s a more simple and more secure way to make payments. Our cards now support Apple Pay, Google Pay, and Samsung Pay.
Account Updater makes it easier for you to make sure your automatic payments are up-to-date and accurate with participating merchants when you get a new card number.
VISA 3-D Secure is VISA’s new and improved way to ensure that rightful owner of the VISA account. All members are automatically protected.

August Statement Insert – Elite Money Market, Adopt a Teacher, Strong Mortgage

August Statement Insert Page 1

Introducing Elite Money Market Account
The more you invest, the higher you’ll go
Federally insured by NCUA

August Statement Insert Page 2

Wauna Credit Union
waunafcu.org
800-773-3236
Apply 24/7
NMLS# 421867
Our mission is to provide opportunities for
our members to build their financial well-being

NCUA
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.

Home of the Strong Mortgage
Dennis S. – Clatskanie
Equal Housing Opportunity

Adopt a Teacher
Learn more on our
Facebook page

 

 

 

August Statement Insert – Back to School, Last Days of Summer

August Statement Page 1

Back to School With WCU and VISA
Ready for back to school? A WCU
VISA Rewards Card gives you the
purchasing power, protections, and
features to make back to school fun.

NCUA
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.

Wauna Credit Union
waunafcu.org
800-773-3236
NMLS# 421867

August Statement Page 2

Summer is For Fun & We Make Fun Affordable!
60 Days No Payments on RVs, Boats, Mortorcycles
Wauna Credit Union offers affordable loans for
RVs, boats, motorcycles, and other vehicles that
help you have fun in the sun!

New/Used Purchases Qualify for 60-Days No
Payments.*

1% Cash Rebate and 60-Days No Payments for
refinances from Elsewhere!

Promotional Terms Available Through August 21!

**Special Promotion Terms: New & used RV-Recreational Vehicle (includes: motor home, trailer, boat, motorcycle, ATV, side-by-sides, watercraft) loans qualify for 60-Days No Payments (interest will continue to accrue during the 60-Day period). Maximum Loan: $50,000. Qualifying loans refinanced from elsewhere to Wauna CU receive: 1. An immediate Cash Rebate equal to 1% of the approved loan value [Note: the full amount of the promotional cash rebate remitted to member may be forfeit if less than 50% of the total funded loan balance remains in the account 120 days after the loan funding date]; and, 2. 60-Days No Payments (interest will continue to accrue during the 60-day period). Minimum loan amount to qualify for special terms: $2,000; Maximum Loan: $50,000; maximum rebate allowed is$500 per loan. These special financing terms end at close of business August 31, 2018. Rates & financing are offered based on applicant’s credit worthiness on applicant’s credit worthiness and term of the loan. Membership with Wauna CU required to qualify for this special offer.

Fee Schedule Page 1

Wauna Credit Union Fee Changes
Effective September 1, 2018
Cards
Card payment by phone
$15.00 per transaction
Non-CO-OP ATM withdrawals
$2.50 per withdrawal
Safe Deposit Boxes
3” x 5” Box $35.00 annually
3” x 10” Box
$50.00 annually
5” x 10” Box
$60.00 annually
10” x 10”
$85.00 annually
SDB Late Fee(<30 days)
$20.00per month Services
Account research/Balancing
$45.00 per hour (min 1 hour)
Carfax
$20.00 per item
Dormant Account (12 mo. inactivity)
$10.00 monthly
Legal Process Fee (Garnishment/Levy)
$125.00 per item
Line Of Credit over limit fee
$35.00 per item
Skip-A-Payment
$40.00 per skip
Stop Payment
$30.00 per item
Unclaimed Property Notices
$15.00 per item
Undeliverable Mail Fee
$10.00 per item
Wires
Intl. Wire Research or Tracking
$45.00 per item
Business Accounts
Money Services Business Checking
– Cash Handling Fee >$150k
$35.00 monthly
$15.00 per $25k increment
Line of Credit Renewal
$250.00 per item

Questions? Contact us at
800-773-3236 or waunafcu.org.
Find a full rate sheet at
waunafcu.org or at any branch.

Fee Schedule Page 2

WAUNA CREDIT UNION
MEMBERSHIP & ACCOUNT AGREEMENT
Summary of Changes to Account
Agreement and Disclosures 2018
Revised Aug. 1, 2018
Funds Availability Policy
Section 1- General Policy
Added to end of section: Interactive Teller Machines (ITMs): When
the ITM is staffed, deposits are being made at a staffed facility. When
the ITM is not staffed, deposits are being made at an ATM. The funds
will be made available according to the General Policy.
Membership & Account Agreement
Section 8a. Endorsements
Added to end of paragraph: For mobile deposits, we may refuse
checks lacking a restrictive endorsement, such as “for mobile deposit
only”.
Section 26. Inactive Accounts
Deleted from first sentence: “your account falls below any minimum
balance”. Minimum balance is not needed along with inactivity for
specified period for account to be classified as inactive or dormant.
4th sentence was deleted: You authorize us to transfer funds from
another account of yours to cover any service fees, if applicable. To
the extent allowed by law, we reserve the right to transfer the account
funds to an account payable and to suspend any further account
statements.
Section 29. Termination of membership
Added to end of paragraph: A member who fails to complete
payment of one share within 3 months of admission to membership,
or within 3 months from the increase in the par value of shares or
a member who reduces the share balance below the par value of
one share, either through voluntary withdrawal of funds or through
involuntary assessment of fees and charges, and does not increase the
balance to at least the par value of one share within 3 months of the
reduction will be terminated from membership.
Electronic Funds Transfer
Section 1. EFT Services, b. Debit Card
Added to end of section: Card Information Updates and
Authorizations. If you have authorized a merchant to bill charges to
your card on a recurring basis, it is your responsibility to notify the
merchant in the event your card is replaced, your card information
(such as card number and expiration date) changes, or the account
associated with your card is closed. However, if your card is replaced
or card information changes, you authorize us, without obligation on
our part, to provide the updated card information to the merchant in
order to permit the merchant to bill recurring charges to the card. You
authorize us to apply such recurring charges to the card until you notify
us that you have revoked authorization for the charges to your card.
Your card is automatically enrolled in an information updating service.
Through this service, your updated card information (such as card
number and expiration date) may be shared with participating
merchants to facilitate continued recurring charges. Updates are not
guaranteed before your next payment to a merchant is due. You are
responsible for making direct payment until recurring charges resume.
To revoke your authorization allowing us to provide updated card
information to a merchant, please contact us.

July Statement Insert – Here and Now Certificate, Go Places With VISA, Summer is for Fun

JULY Statement Page 1

HERE and NOW CERTIFICATE
Our only mission is to provide opportunities for
our members to build their financial well-being.
July 2018 2.018%* APY
13-Month
$500 Min.
Enjoy “Here & Now” Rate! Reach your savings goals faster!
Now is the time to put your savings to work for you! Make the
most of what you have without the risk of stocks or other more volatile
investments. Enjoy our “Here & Now” Certificate Special, and turn up the
volume on that passive income.

*APY=Annual Percentage Yield. This special Certificate Account is for New Money only for a term of 13 months and offers an APY of 2.018%; the Dividend Rate is 2.00%. Deposits to this account may not originate from another Wauna Credit Union deposit account. Minimum deposit required to open this special
Certificate account and to obtain the published APY: $500.00. Deposits from other Wauna CU accounts may be accepted into the new Certificate Account once the New Money minimum deposit equals $10,000. Some fees could reduce earnings. This special 13-Month Certificate also available as an IRA. Early withdrawal penalty: We may impose a penalty if you withdraw any of the principle before the maturity date, or the renewal date if it is a renewal account. This special offer is available July 2, 2018, through July 31, 2018, and may be terminated
without notification. Membership with Wauna Credit Union required to be eligible for this special offer. Please contact Wauna Credit Union for membership eligibility details. 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.

Wauna Credit Union
waunafcu.org l 800-773-3236
NMLS# 421867

JULY Statement Page 2

Summer Is For FUN & We Make Fun Affordable!

Wauna Credit Union offers affordable loans for RVs, boats, motorcycles and other fun & sun loving vehicles to make your days memorable.
Take that cross country RV trip with your family, motorcycle through the mountains, boat down the coast, or jet ski your local lake or river.
You can follow the fun, without breaking your budget. Stop delaying your adventure and apply today!
Apply 24/7 800-773-3236 waunafcu.org

60 Days No Payments on RVs, Boats, Motorcycles!

New/Used purchases qualify for 60-Days No Payments.
1% Cash Rebate AND 60-DaysNo Payments for Refinances
from elsewhere!
Promotional terms available July 9 – August 31, 2018.

*Special Promotion Terms: New & used RV-Recreational Vehicle (includes: motor home, trailer, boat, motorcycle, ATV, side-by-sides, watercraft) loans qualify for 60-Days No Payments (interest will continue to accrue during the 60-Day period). Maximum Loan: $50,000. Qualifying loans refinanced from elsewhere to Wauna CU receive: 1. An immediate Cash Rebate equal to 1% of the approved loan value [Note: the full amount of the promotional cash rebate remitted to member may be forfeit if less than 50% of the total funded loan balance remains in the account 120 days after the loan funding date]; and, 2. 60-Days No Payments (interest will continue to accrue during the 60-day period). Minimum loan amount to qualify for special terms: $2,000; Maximum Loan: $50,000; maximum rebate allowed is $500 per loan. These special financing terms end at close of business August 31, 2018. Rates & financing are offered based on applicant’s credit worthiness and term of the loan. Membership with Wauna CU required to qualify for this special offer.

Our 2018 Scholarship Winners
Wauna Credit Union is thrilled to announce our 2018 Scholarship recipients. This year, we had so many amazing applicants, we actually added more money to our scholarship fund! We gave $11,500 in support to our member student this year!

Congratulations to the following:
Hannah Mather, Astoria
Jordan Kenney, Clatskanie
Madeline Moravec, Clatskanie
Maisy Horness, Clatskanie
Chloe Davidson, Clatskanie
Autumn Crawford, Clatskanie
Alaina Schwartz, Clatskanie
Sierra Bechdoldt, Clatskanie
Jaden Miethe, Knappa
Megan Clark, Rainier
Nada Jones, Rainier
Kaitlyn Bakkensen, Scappoose
Madelynn Hall, Scappoose
Payton Wolf, Vernonia
Bethany Stockwell, Vernonia
Odessa Roberts, Vernonia
Rebekah Barnes, Vernonia
Grace Travis, Warrenton

Go Places With VISA
Be sure to take a Wauna Credit Union VISA Credit Card on your travels – safer than cash or Debit Cards & very affordable! We also offer loans for that dream vacation you’ve been wanting to take – the kids keep getting older.

Fee Schedule Page 1

Wauna Credit Union Fee Changes
Effective August 15, 2018
Cards
Card payment by phone
$15.00
per
transaction
Non-CO-OP ATM withdrawals
$2.50
per
withdrawal
Safe Deposit Boxes
3” x 5” Box
$35.00
annually
3” x 10” Box
$50.00
annually
5” x 10” Box
$60.00
annually
10” x 10”
$85.00
annually
SDB Late Fee
(<30 days)
$20.00
per month
Services
Account research/Balancing
$45.00
per hour (min 1 hour)
Carfax
$20.00
per item
Dormant Account (12 mo. inactivity)
$10.00
monthly
Legal Process Fee (Garnishment/Levy)
$125.00
per item
Line Of Credit over limit fee
$35.00
per item
Skip-A-Payment
$40.00
per skip
Stop Payment
$30.00
per item
Unclaimed
Property Notices
$15.00
per item
Undeliverable Mail Fee
$10.00
per item
Wires
Intl. Wire Research or Tracking
$45.00
per item
Business Accounts
Money Services Business Checking
– Cash Handling
Fee >$150k
$35.00
monthly
$15.00
per $25k increment
Line of Credit Renewal
$250.00
per item
Questions? Contact us at
800-773-3236 or waunafcu.org.
Find a full rate sheet at
waunafcu.org or at any branch.

Fee Schedule Page 2

WAUNA CREDIT UNION
MEMBERSHIP &
ACCOUNT AGREEMENT
Summary of Changes to Account
Agreement and Disclosures 2018
Revised Aug. 1, 2018
Funds Availability Policy
Section 1- General Policy
Added to end of section: Interactive Teller Machines (ITMs): When
the ITM is staffed, deposits are being made at a staffed facility. When
the ITM is not staffed, deposits are being made at an ATM. The funds
will be made available according to the General Policy.
Membership & Account Agreement
Section 8a. Endorsements
Added to end of paragraph: For mobile deposits, we may refuse
checks lacking a restrictive endorsement, such as “for mobile deposit
only”.
Section 26. Inactive Accounts
Deleted from first sentence: “your account falls below any minimum
balance”. Minimum balance is not needed along with inactivity for
specified period for account to be classified as inactive or dormant.
4th sentence was deleted: You authorize us to transfer funds from
another account of yours to cover any service fees, if applicable. To
the extent allowed by law, we reserve the right to transfer the account
funds to an account payable and to suspend any further account
statements.
Section 29. Termination of membership
Added to end of paragraph: A member who fails to complete
payment of one share within 3 months of admission to membership,
or within 3 months from the increase in the par value of shares or
a member who reduces the share balance below the par value of
one share, either through voluntary withdrawal of funds or through
involuntary assessment of fees and charges, and does not increase the
balance to at least the par value of one share within 3 months of the
reduction will be terminated from membership.
Electronic Funds Transfer
Section 1. EFT Services, b. Debit Card
Added to end of section: Card Information Updates and
Authorizations. If you have authorized a merchant to bill charges to
your card on a recurring basis, it is your responsibility to notify the
merchant in the event your card is replaced, your card information
(such as card number and expiration date) changes, or the account
associated with your card is closed. However, if your card is replaced
or card information changes, you authorize us, without obligation on
our part, to provide the updated card information to the merchant in
order to permit the merchant to bill recurring charges to the card. You
authorize us to apply such recurring charges to the card until you notify
us that you have revoked authorization for the charges to your card.
Your card is automatically enrolled in an information updating service.
Through this service, your updated card information (such as card
number and expiration date) may be shared with participating
merchants to facilitate continued recurring charges. Updates are not
guaranteed before your next payment to a merchant is due. You are
responsible for making direct payment until recurring charges resume.
To revoke your authorization allowing us to provide updated card
information to a merchant, please contact us.

June Statement Insert – Auto Loans, Go Places With VISA Strong Mortgages

Apply for an auto loan 24/7

It’s 1 a.m., and you just got approved
for an auto loan over the phone. Boom!
You’ll be car shopping in the morning.
At Wauna Credit Union, this is what we do!
24/7 Loan applications by phone!
800-773-3236
Federally Insured by NCUA
Equal Housing Opportunity

Strong Mortgages and Go Places With VISA

Strong Mortgages
From Wauna Credit Union
Apply 24/7
800-773-3236
waunafcu.org
Equal Housing Opportunity

Go Places w/VISA
For the best rates, rewards,
convenience & security, take our
Wauna Credit Union VISA Credit
Card everywhere you go!

Three Decades of Awesome – Chief Marketing Officer, Debi Smiley

In 1988, Microsoft released Windows 2.1. George HW Bush beat out Michael Dukakis for the presidency. 1988 was the year of RainmanComing to AmericaDie HardBeetlejuice, and A Fish Called Wanda. The Redskins won Super Bowl XXII and Bobby McFerrin told us, “Don’t Worry, Be Happy.” This was a special year for many reasons, but more-so to us because it’s also when Debi Smiley came to work for Wauna Credit Union in Clatskanie, OR.

“Clatskanie” comes from the Native American word, Tlatskani, which was given to a point in the Nehalem River, reached via the Columbia by way of the Clatskanie River…or so the story goes.

Many of Clatskanie’s 1,800 residents are of Nordic heritage, which includes Debi’s family, who immigrated to Clatskanie from Finland. Debi is a 4th generation Quincy-area resident (just outside of Clatskanie).

And today we celebrate 30 years with Debi in our ranks. She’s done it all, from teller to chief. So, with a few questions, let’s take a deeper into who Debi is, who her heroes are, and how we can grow to be as successful as she.

First, the pedigree information that makes you YOU:

  • Husband, Greg (together 20 years, married 18 years this July)
  • Daughter, Liz (Elizabeth, but goes by ‘Liz’)
  • Son-in-law, Chris Cowen, Oregon State Police Officer
  • Grandson – Brayden, 14 and step-granddaughter, Alexa who is 11
  • 1 cat, PV (piss & vinegar) – and we recently were adopted by another cat – ‘Kitty Girl’ is what I have been calling her
  • Oldest of 4 – two sisters and one brother)

There is no question you have learned many lessons, had thousands of great ideas, and made countless friends in your time here with Wauna Credit Union. Through everything you have experienced, what is one thing you have come to truly love about the Credit Union?

I still truly love that we continue to be people helping people. After 30 years, that mission remains the same, solid force that it was when the credit union started.  This is why I have continued to work hard to do what ‘I’ can to serve the members of the credit union and community in as many capacities as doable.

As Chief Marketing Officer, you are constantly coming up with  new and creative ways to showcase Wauna Credit Union. What is one piece of marketing advice you would give to new businesses that are just getting started in the area?

Join the Chamber, Kiwanais, Turning Point, Keep it Local, etc.  You learn a lot about the community you are serving. This allows you to market your business as well as evolve it to meeting the needs of the residents you serve.

A lot of people look up to you here at Wauna. But is there someone you look up to? Do you have a role model and if so who is it and why?

I have had a number of role models throughout my years. They have come in the form of sports coaches, teachers, supervisors, etc.  Each of them taught me life lessons, provided growth, and guided me to a better me. It is difficult to choose only one. Though the one I served under the longest was retired CEO Eileen Cheuvront. Under her leadership, I learned to “stay focused, work hard, and have fun”. That was her motto and she shared it often. Eileen led by example. She was a compassionate leader that believed in the credit union, what we stood for and the high quality of service we were to render. She was a caring and supportive leader and I feel privileged to have worked under her leadership and guidance.

  1. You are already pretty super, but if you could have one superpower, what would it be and why?

I would like to have Super Speed to get things done quicker so I can have more family time and healing Power to help those who desperately need it.

There you have it.

Wauna Credit Union has waxed and waned in many different directions since its charter way back in 1967. But while our look and our products and services may change, our values and beliefs will not. Because it is an undying commitment to our members that sets us apart from other financial institutions. This is the eternal flame that keeps us bright. And it is employees like Debi Smiley that keep that fire burning.

Thank you for 30 years, Debi and we look forward to many more to come!