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!

May Statement Insert – Strong Mortgages, U-Banking, Visa for Vacation

Insert Page 1 Strong Mortgage

Strong Mortgages
Put the power of our eagle in your home loan
Apply for a home loan, day or night, even on the weekends!
Call 800-773-3236, or online at waunafcu.org
waunafcu.org 1-800-773-3236
#NMLS 421867
Equal Housing Opportunity
NCUA Federally Insured by the NCUA

Insert Page 2 U-Banking Visa

What Is Ubiquitous Banking?
It’s Stronger!
It’s Faster!
It’s Our New Online & Mobile Banking Experience!
Coming Soon

VISA For Vacation!
Did you know?
Traveling with our VISA Credit Card is safer than cash or Debit!
Our VISA Rewards Program offers name brand merchandise, movie tickets, travel discounts, and more!
Earn BONUS Reward Points when you shop at popular retailers.

March Statement Insert – WaunaCar, Loan Rebate, Scholarship, Annual Meeting

Statement page 1 - full text belowCALLING ALL STUDENTS!
Scholarship applications are due by April 16th!
Don’t miss out on the chance tosnag some help
for higher education!
Application at waunafcu.org.

51st ANNUAL MEETING
Tuesday, March 20, 2018
Business Meeting at 6:30pm
at the newly dedicated Erlene Darby Learning Center
49249 Hwy 30, Westport, Oregon
Doors open at 6 pm / Light refreshments served
Come see our democracy in action!

TurboTax
Wishing You Many Happy Returns
From TurboTax
Members: Get a discount when you use Turbo Tax from waunafcu.org

Need a loan? Apply day or night, even on the weekends
at: 800-773-3236 waunafcu.org

Statement page 2 - full text below

Trade In Your Loan
Get 1%* Cash Back! 60 Days No Payments!
For Auto, Boat & RV loans, or other Unsecured Debt from Elsewhere.
*Special Promotional Terms: Refinance a qualifying loan (Auto, Truck, SUV, Van, RV-motor home, trailer, boat, motorcycle, watercraft; or, Closed-end, Unsecured loan), currently financed elsewhere, and qualify to 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). Wauna CU will also pay the vehicle title transfer fee up to $100 (member is responsible to pay any additional amount). Minimum loan amount to qualify for special terms: $2,000; Maximum rebate allowed is $500 per loan. These special financing terms end at close of business April 30, 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.

Wauna Car To Love?
Use “WaunaCar” to find your next auto!
Finance with us for cash back & special term!
Learn more at waunafcu.org

NOTICE OF CHANGE
ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE
The following information pertaining to debit cards is added to the Electronic Fund Transfers Agreement and Disclosure that was previously provided to you: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.Theterms of the Electronic Fund TransfersAgreementand Disclosure (Agreement) are revised as described above.Please keep a copy of this Notice with the Agreement. Except as set forth in this Notice, the Agreement is unaffected and shall continue in full force and effect in accordance with its terms. If there is a conflict between this Notice and the Agreement, the terms of this Notice will prevail.

January Statement Insert – 60 Days No Payments 1% Cashback, IRA, TurboTax

Looking for a Loan to Love?
60 Days No Payments!
1% Cash Rebate!*
& your title transfer is our treat!
That’s why we’re offering to take your less-than-loveable-loan from elsewhere & delight you with a Wauna Credit Union loan!
At Wauna Credit Union, we want to spark that special feeling
in your heart when you think of us. Apply online or by phone,
waunafcu.org l 800-773-3236
24 hours a day, 7 days a week
*Special Promotional Terms: Refinance a qualifying loan (Auto, Truck, SUV, Van, RV-motor home, trailer, boat, motorcycle, watercraft; or, Closed-end, Unsecured loan), currently financed elsewhere, to Wauna Credit Union, and qualify to 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]; 2. 60-Days No Payments (interest will continue to accrue during the 60-day period); and, 3. Wauna CU will also pay the vehicle title transfer fee up to $100 (member is responsible to pay any additional amount). 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, 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.

It’s Time!
Competitve rates and easy, automatic deposits are just a few of the benefits.
Talk to one of our experts & find out how easy retirement planning can be!
To Start An IRA We can help you start an IRA that won’t hurt your wallet,
but will make fora great future!


Scholarship Applications are available now at waunafcu.org. Deadline to apply is April 16, 2018. We encourage high school seniors and college students to apply, prior recipients are welcome to reapply. #WaunaCares

Use TurboTax to file and be entered to win $25K! Plus, get a member discount when you use Turbo Tax through the link at waunafcu.org!

Community Builder 11 mo. Certificate Account
1.35% APY* Enjoy a higher rate of return
while saving for the future & helping your community thrive!
$500 min. *details at waunafcu.org

ADDENDUM TO
ELECTRONIC FUND TRANSFERS AGREEMENT
AND DISCLOSURE
The following information pertaining to debit cards is added to the Electronic Fund Transfers Agreement and Disclosure:
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.
This Addendum revises the terms of the Electronic Fund Transfers Agreement and Disclosure (Agreement). Please keep a copy of this Addendum with the Agreement. Except as set forth in this Addendum, the Agreement is unaffected and shall continue in full force and effect in accordance with its terms. If there is a conflict between this Addendum and the Agreement, the terms of this Addendum will prevail.

Statement Insert – New Year, 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