Media & Statements – Page 4 – The Wonderful World Of Wauna

April 2019 Statement Insert – Mortgages, Credit Cards, Long Beach Branch, Insurance

VISA
Contact us today for a new credit card or for a limit increase!
Wauna Credit Union
24/7 Lending waunafcu.org 800-773-3236
Federally Insured by the NCUA

Individuals Welcome at our Long Beach branch
We’re now a full-service branch at:
910 Pacific Ave Long Beach, WA

$417*
The average amount drivers are overpaying each year for car insurance.
Should you be paying less for auto insurance?
Start a free quote and we’ll help you save.

Cascade Crest Insurance
Save today, get a free quote at
www.cascadecrestinsurance.com
*source Nerdwallet.com

Individual Homeowners Welcome
Home Equity Lines of Credit First-Time Homebuyers Manufactured Homes Investment Property New Construction Primary Residence FHA and VA Loans Bare Land

Wauna Credit Union
24/7 banking waunafcu.org 800-773-3236 NMLS#421867
Federally insured by the NCUA
Equal Housing Opportunity

A Letter From CEO Robert Blumberg

Last week, you may have received a letter indicating the interest rate on your Wauna Credit Union VISA would be increasing due to three consecutively missed payments. The letter was inaccurately and inadvertently generated to all Rewards VISA account holders by our vendor.

Our employees have worked tirelessly to confirm that the payment history of every account is correct. Rest-assured that your rate is not increasing. Wauna Credit Union has never increased the rate on a card because of missed payments, and we do not plan on starting now. It is also important to note that your information was not compromised in any way.

I apologize for any distress the error may have caused – this is not how I want to treat our members and can confirm that this was a processing mistake on our vendor’s side. I am planning on meeting with leadership at our vendor to demand procedures and a written plan to ensure only accurate information is sent to you moving forward.

If you have questions about your account status or otherwise, please contact us at 800-773-3236.

Sincerely,

Robert Blumberg Signature

Robert Blumberg CEO & President Wauna Credit Union

March Statement Insert

Open a Jump Start
Youth Savings Account
For a Chance to Win $$$

Wauna Credit Union
Federally insured by the NCUA
24/7 banking
waunafcu.org

Cascade Crest Insurance
Explore and Discover Your World
We’ve Got you Covered
www.cascadecrestinsurance.com
The Freedom to Enjoy Life Doesn’t
Mean Compromising on Protection
Auto/Home/Life/Business/Specialty
503-728-4397

Roll Into Rebates
Refinance Get 1% cash back 60 days no payments*
All vehicles, watercrafts, off road, unsecured loans, and more can be refinanced!

24/7 Lending, waunafcu.org, 800-773-3236
*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. Interest will continue to accrue during the 60-Day No Payment period. 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.

WaunaCar Roll Into Rebates
1% cash rebate & 60 days no payments* Visit www.waunafcu.groovecar.com today!
*Special “Roll into Rebates” Auto Loan promotion: Wauna Credit Union members (current or new) who finance a qualifying loan (New or Used Auto, Truck, SUV, Van, Hybrid, Electric) using the GrooveCar service are eligible to receive: 1. an immediate Cash Rebate equal to 1% of the approved loan value; and, 2. 60-Days No Payments. Applicants must redeem the “Roll into Rebates” Coupon to Wauna Credit Union during the loan funding period to qualify for the special terms. This Coupon is available only on the Wauna Credit Union page of GrooveCar.com. Interest will continue to accrue during the 60-Day No Payment period. 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. This special offer ends April 30, 2019. Membership with Wauna CU required to qualify for this special offer.

Invest In Yourself
Open or contribute to your IRA with WCU. Save for your future.

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.

52^nd 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,

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

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 2 What’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

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.

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.