Credit Unions Love Their Members

You’ll hear us at WCU talk about the Credit Union Advantage quite often. It’s what sets us, and all credit unions, apart from for-profit banks. We’re not based in New York or London trying to drive increased profits from shareholders, instead we’re local people focused on helping out specific regions (in our case), or dedicated to a particular group of people, for example a credit union that serves people that work for a single company, or professional field. More importantly, our profits are returned to our members.

All members are equal owners of Wauna Credit Union, each member maintains a $5 share of ownership in their Share Savings Account. That means everybody is eligible to vote for our volunteer boards, and even to run for a position on the Board of Directors.

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Our Communications Center team shows their love.

While people may think of different credit unions as competitors, that’s really not the case. We work hand-in-hand with credit unions all over the country to ensure we deliver top-end service and technology no matter where our members are. That means that no matter if you are in New York City or Ames, Iowa, WCU members can go into a branch and be treated as a member, or use a CO-OP ATM (the second largest ATM network in the country) free of charge.

The members as owners value is so important, not just to us, but to every person who is potentially a member of a credit union, which really is anybody and everybody. That’s even more evident today. Ten years after the big financial institutions caused the biggest recession in the last 60 years, nothing has changed.

The sad thing is because of the advertising budgets those big banks have, many people really don’t understand how credit unions are different. If you’re reading this and are a member of a credit union, thank you. If you’re not, please look into it. We hope you chose Wauna Credit Union, but as long as you chose a credit union that works for you, we’re happy.

A List of Veterans Day VIP Treatments

“While those who died are also remembered, Veterans Day is the day set aside to thank and honor ALL those who served honorably in the military – in wartime or peacetime.” – The Department of Veterans Affairs 

Wauna Credit Union holds dear those red, white, and blue fibers binding the values and principles of the United States.

We hold dear the sacrifices, victories, and triumphs that have been made throughout history so that we might sleep a little sounder at night.

We hold dear the men and women who fight for those fibers, for our freedoms, and for our county.

Please join us in further celebrating this very special day by taking a look at (and participating in!) the following list of celebrations, giveaways, and veteran-exclusive VIP treatment.

Oregon Veterans Day Celebrations:

Statewide list: The Oregon Department of Veterans’ Affairs posts a list of Veterans Day events across the state on its website.

Ross Hollywood Chapel Veterans Day Parade: 9:30 a.m. Nov. 11, Hollywood District in Portland. Begins at Northeast 40th Avenue and Tillamook Street and turns east onto Northeast Sandy Boulevard concluding at 48th Avenue at the flag pole in front of Ross Hollywood Chapel for a flag raising ceremony.

Fort Vancouver Veterans Day Parade: 11 a.m. Nov. 11, begins at Fort Vancouver National Site at Evergreen Boulevard and East Reserve Street, see website for route. There will be a 10 a.m. ceremony before the parade.

Veterans Day Observance, Beaverton: 11 a.m. Sat. Nov. 11, Bethel Congregational, United Church of Christ, 5150 S.W. Watson Ave. Family friendly community memorial service with choir organized by American Legion Post 124.

Estacada Veterans Day Parade11 a.m. Sat., Nov. 11, begins at Estacada High School, 355 N.E. Sixth Ave., travels down Main Street to Fourth Street then turns right on Broadway Street, ends at the Veterans Memorial with a ceremony. Hosted by Estacada Area Support Our Troops Foundation.

Washington County’s Annual Veterans Day Ceremony, Hillsboro: 11 a.m.-noon, Sat., Nov. 11. Washington County Veterans Memorial, Northeast Veterans Drive and Northeast 34th Avenue, Hillsboro. Hosted by Washington County Disability, Aging and Veteran Services; Memorial Fund for Veterans of Washington County; VFW 2666 and American Legion 104. Features Doug Lund, a West Point graduate with a degree in military history, who will talk about significant historical events as they relate to being a veteran, with a focus on World War I. Local recording artist Alena Sheldon will sing the national anthem.

Veterans Day Observance Ceremony, Wilsonville: 11 a.m. Saturday, Nov. 11, Oregon Korean War Memorial in Town Center Park, 29600 S.W. Park Place. Event includes a speaker, performances of the “The Star-Spangled Banner” and “Taps,” posting of colors, and cadets’ readings about the significance of Veterans Day. Organized by Korean War Veterans Association, Oregon Trail Chapter.

Free Veterans Day Musical Review, Portland: noon Saturday, Nov. 11, German American Society, 5626 N.E. Alameda St. USO-style musical variety show by Tony Starlight and an eight-piece band performing songs covering several decades of American popular music. Lunch provided for the first 250 guests.

City of Cornelius Veterans Day Celebration1 p.m. Saturday, Nov. 11, Veterans Memorial Park, Baseline Street between 12th and 13th Avenues. Keynote speaker is veteran and Washington County Commissioner Bob Terry. Event includes a 7-gun salute by the VFW veterans group, a welcome by Cornelius Mayor Jeffrey Dalin, singing and bagpiper performance. The Washington County Sheriff’s Office Honor Guard will post the colors. Hosted in conjunction with American Legion and VFW groups throughout Washington County.

Statewide Veterans Day Celebration, Salem: 2 p.m. Sat. Nov. 11, Oregon World War II Memorial, Court and Cottage streets, Salem. Hosted by Oregon Department of Veterans Affairs. Honoring and remembering the achievements and contributions of all of Oregon’s veterans. Featuring remarks by Joshua Groesz, Iraq combat veteran and executive director of The Salvation Army’s Veterans and Family Center, and Marianne McNally, daughter of Don Malarkey, WWII hero and member of famed 101st Airborne’s Easy Company, who died in September at 96. Also a color guard, national anthem, laying of the wreath and the playing of “Taps.”

Troutdale Lions Club Free Spaghetti Dinner for Veterans: 4:30-6 p.m. Nov. 11, Sam Cox Building, Glenn Otto Park, 1106 E. Historic Columbia River Highway, Troutdale. Community members are invited to say thank you to veterans. Please bring three non-perishable food items.

Veteran’s Dinner, Forest Grove: 12:30 p.m. Sun. Nov. 12, Forest Grove Elks Lodge, 2810 Pacific Ave. A dinner and dance for Veterans of the Forest Grove Community. Vintage Country Band will perform from 2:30pm to 5pm. Free for veterans, donations requested from non-veterans

Freebies, Perks, Discounts:

Denny’s:  Free Build Your Own Grand Slam breakfast from 5 a.m. until noon on Friday, Nov. 10.

IHOP: Free Red, White & Blue Pancakes on Friday, Nov. 10.

Applebees: Free meal from a limited menu on Saturday, Nov. 11.

Buffalo Wild Wings: One free small order of traditional or boneless wings and a side of fries. All day on Saturday, Nov. 11. (Participating locations only)

California Pizza Kitchen: Free entree from a special menu that includes pizza, salads and pasta on Saturday, Nov. 11. (Locations in Clackamas Town Center and Bridgeport).

Chevys Fresh Mex: Free Fresh Mex 3-Item combo from 11 a.m. – 10 p.m. on Saturday, Nov. 11. (Locations in Lask Oswego and Hillsboro)

Chuck E. Cheese: One free personal pizza on Saturday, Nov. 11.

Country Pride: Free meal from a select menu with a drink on Saturday, Nov. 11 (Locations in Aurora and Troutdale)

Cracker Barrel Old Country Store: Free Double Chocolate Fudge Coca-Cola Cake dessert on Saturday, Nov. 11. (Location in Tualatin)

Famous Dave’s: Free two meat combo on Saturday, Nov. 11. (Locations in Tualatin and Cascade Station in Portland)

Hooters: Free meal from a select menu on Saturday, Nov. 11. (Location in Portland)

Little Caesars Pizza: Free $5 Hot-N-Ready Lunch Combo from 11 a.m. – 2 p.m. on Saturday, Nov. 11

Menchie’s Frozen Yogurt: Free six ounce frozen yogurt all day on Saturday, Nov. 11 (Multiple locations around Portland metro area)

Outback Steakhouse: Free Bloomin Onion and a drink on Saturday, Nov. 11. Receive 20 percent off your check from Nov. 12-16.

​​​​​​Red Lobster: Free appetizer or dessert from a select menu on Saturday, Nov. 11

Red Robin: Free dine-in Red’s Tavern Double Burger and Bottomless Steak Fries on Saturday, Nov. 11

Ruby Tuesday: Free appetizer on Saturday, Nov. 11

Shari’s Cafe: Free pancake breakfast on Saturday, Nov. 11

Sizzler: Free lunch and beverage before 4 p.m. on Saturday, Nov. 11

Texas Roadhouse: Free special lunch menu including a drink on Saturday, Nov. 11 (Location in Eugene)

Village Inn: Free breakfast special on Saturday, Nov. 11 (Multiple locations in and around Portland)

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Happy 10th Anniversary to our Fearless Leader!

10 Years, 10 Questions with Wauna Credit Union CEO and President, Robert Blumberg…

We are all about taking care of our members and improving their financial well-being. – Robert Blumberg

Robert Blumberg

Hailing from South Africa, he has lived and worked in California, but calls Oregon home. He’s a family man. He’s a numbers man. He loves traveling, being outdoors, good food, and the Credit Union spirit. His financial background boasts top-roles with Southern Pacific Bank, First Bank of Beverly Hills, and as a matter of fact, Maps Credit Union here in Oregon.

But 2007 was the year when Mr. Robert Blumberg joined the Wauna Credit Union team, taking the helm as our President and CEO. And while it’s true that many “waun-derful” things are occurring under Robert’s guidance, here are just a few noteworthy examples from the past ten years:

  • Two branches were opened in 2010. The first, being an in-store branch at the Astoria Safeway in July, and the second, a new Scappoose Branch in November.
  • Recognizing construction in accordance with energy-efficient building materials & practices, the Scappoose Branch was awarded LEED Certification at the Silver level in August of 2011.
  • Our beautiful, new Warrenton Branch (near Costco) was opened during mid-Spring of 2013.
  • The opening of a new Branch along Hwy 30 took place in St Helens in 2014.
  • In November of 2016, a Mortgage Origination Office was opened in Long Beach, WA.
  • Wauna Credit Union was granted a charter expansion to include Washington County in June of 2016.
  • Also, our first Interactive Teller Machine was implemented in Long Beach, WA in November of 2016.

And how could we forget the numbers? Let’s take a look at a then and now:

  • In 2007 our membership was at 14,083. In contrast, we are now at 24,728 — a 75.58% growth!
  • When Robert started, our assets were at $104.6 million. Today, we are at $234.6 million — a 124.28% growth!
  • Ten years ago we had 5 financial centers and 58 employees at Wauna Credit Union. Today, we have 8 financial centers and employ 105!

Of course, these lists barely scratch the surface; however, they are valid indicators of the innovation and growth that Robert has brought to Wauna Credit Union. And while we are certainly looking forward to another awesome ten years, let’s pause for a minute, and take a closer look at Robert’s life:

1. Growing up, who was the most influential person in your life?
My father.

2. Speaking of influence, how about musically? What was your favorite album as a teenager?
Pink Floyd – The Dark Side of the Moon.

3. We all start somewhere. What was your very first job?
RM Pharmaceuticals – They made Vicks and Oil of Olay products.

4. And what year did you first enter the financial industry?
I got my start in 1982.

5. 1982 is a world away from where you are today. Where exactly did you get your start?
I started working for a company called Century Thrift and Loan. When I started working there in the accounting department I did not even have a title.

6. Speaking of history, if you could meet anyone particularly, who would it be?
The person I would love to meet is Alan Greenspan.

7. All things considered, what would you like to talk about?
Having a conversation as to what he thinks went wrong during the last great recession in 2009. He believes in the free market and the free market will be self-policing.

8. What is your greatest hope for the Credit Union industry, presently?
Continuing to grow in market share. We are all about taking care of our members and improving their financial well-being. It is important that the insurance agency remains independent from the banks. It would be a big mistake to merge the NCUA and FDIC.

9. indeed. We talk a lot about “People Helping People” in Credit Union philosophy, but we certainly also aim to please. Altogether, what would you say is your definition of “happiness”?
You should ideally be taking an action every day to bring you one step closer to achieving of your goals. Of course, meeting my personal and professional goals gives me deep satisfaction.

10. Many awesome things have taken place under your leadership, but what accomplishment at Wauna Credit Union are you most proud of?
Building an amazing team that has taken Wauna to new heights. In fact, emphasizing each team member’s contribution and demonstrating how all of their jobs operate together to move the entire team closer to its goal are very important to me.

Without a doubt, Robert believes in our members. He believes in our staff. He believes in the movement.

To sum up, reaching future goals is an exciting prospect. We thank you, Robert, for bringing us this far! From all of us at Wauna Credit Union, it’s an honor and specifically a privilege to have such a waun-derful CEO.

Credit Unions Worldwide Celebrate International Credit Union Day (ICU Day)

“Those who are happiest are those who do the most for others.” ― Booker T. Washington

Today ― together with some 68,000 credit unions, spanning 109 countries, serving 235 million members ― Wauna Credit Union celebrates ICU Day. Whether a member is rich or poor, from a village or city, credit unions are on duty 24/7, across cultures and languages, helping others realize their dreams.

We call this “The Credit Union Difference”.

When did this start? Well, in 1948 (the year when the first tape recorder was sold and fare on the NYC subway cost 10 cents) the Credit Union National Association (CUNA) established a national “Credit Union Day”. Fast forward 69 years to today’s aptly-named “Dreams Thrive Here” celebration.

“Dreams Thrive Here” spotlights how Credit Unions are transforming goals into realities. It is this community commitment that separates us from banks. Because we are different…very different…both in philosophy and structure.

And in the spirit of ICU Day, let’s recognize all credit unions for the roles they play. Think of the people who would have been unable to afford homes, businesses, or education without credit unions. Together, we are helping people overcome challenges.

Wauna Credit Union opened its doors in 1967 with a mission to help others. Our mission hasn’t changed: we are providing opportunities for our members to build their financial well-being. With your support, Wauna Credit Union has grown to over 24,000 members.

Overall, it is your recognition of the contributions that credit unions make that is beyond awesome it’s superhero status. We thank YOU for joining us in celebrating ICU Day.

One smile per member, one member at a time, Wauna Credit Union will continue working around the clock to build a stronger world.

We look forward to serving you, and we look forward to serving your family, for many dreams to come.


The Equifax Breach: Your Comprehensive Guide.

UPDATE: In light of the Equifax breach and the fraud attempts on our members’ Credit Cards, ACH payments over $500 will have a 6 day hold placed before the funds will be made available to the member. Unfortunately there is not a way to narrow the ACH to just Telephone Payments, so it does apply to all ACH payments (web, recurring, etc). There also is not a way to exclude our routing number, so it will also apply to payments drawn on Wauna Credit Union Accounts.

There’s been a lot of news about the Equifax breach recently. We put together a guide to help our members understand what happened, and what the steps are to protect your information.

Who is Equifax?

Equifax is a consumer reporting agency and one of the three largest credit bureaus in the nation that retain the aggregate credit information of some 800 million American and Canadian citizens, including more than 88 million businesses internationally.

Why would they have my sensitive information?

Credit card companies, banks, credit unions, retailers, auto lenders, and mortgage lenders all report this information and the details of your credit activity to the major credit reporting agencies. Every time you open an account, which extends you credit, that company or entity reports the status of your account/s to these bureaus.

What happened?

In May of 2017, hackers trolling the internet for computer systems containing an exposed security flaw, discovered an Equifax server using outdated Apache software vulnerable to such an attack.

What was stolen and how many were compromised?

Social Security numbers, birth-dates, addresses, names, and in some cases, driver’s license numbers, credit card numbers, and other documents, are among the data stolen in a breach that has affected more than 143 million US-based users.

Have I been breached?

Many of our members are wondering if they are affected, and if so what to do. The FTC has provided some guidance, but we have included some main steps below. If you do find that you were included, don’t worry, but protect yourself and take advantage of the Equifax services for those whose information was made available.

What do I do?

Guarding your personal information is a huge priority for Wauna Credit Union, and by using advanced fraud-monitoring technology and services, our committed staff is persistently watching your accounts for suspicious activity. In the wake of the Equifax breach, thieves may be even more prevalent in their attempts to steal your information. They might try one or many of the following in order to access your accounts:

  • Fraudsters may use spoofed phone numbers to contact the Credit Union (caller IDs may show member’s actual phone number).
  • Suspicious callers are stating they are members, having all the accurate information needed, including name, DOB, DL #s, addresses, transaction history on cards, and traditional info we might ask a person over the phone to ID them.
  • Attempts are being made to place travel notifications so fraudsters can use the cards outside of our members’ normal usage areas.

We understand how overwhelming the thought of identity theft might be, but there are ways to protect yourself against fraud, including steps you can take right now.

1. The best and first place to start is finding out if your data has been exposed. You can do this by entering your last name and the last six digits of your Social Security number at Equifax’s website. The site will tell you if you’ve been affected by the data breach*.
*As of 09/29/2017 this service has been listed as “temporarily unavailable”. Continue to check regularly as Equifax catches up to mass inquiries.

2. Whether or not you’ve been compromised, U.S. Equifax consumers are eligible for year of free credit monitoring and other services**. The site has provided a date when you can come back to enroll.
**Equifax has confirmed people who enroll in the credit monitoring program as a result of the breach would not waive their right to class action.

3. Use strong passwords and always be aware of the information you provide when opening an account, conducting a transaction, or anywhere you might be transferring secure information.

4. Review your free credit reports. You are entitled to a free credit report every 12 months from each of the three major consumer reporting companies (Equifax, Experian and TransUnion). Get started here.

5. Take the time to monitor your accounts for unusual activity! Accounts on your credit reports that you didn’t open, inaccurate information, or credit inquiries from entities you’ve never contacted are all potential red flags that require immediate attention. If you find evidence of fraud, let us, the appropriate financial institution, and/or the credit reporting bureau know immediately.

6. Open a my Social Security account, which will prevent the bad guys from creating an account in your name, even if they’ve made off with your Social Security number.

7. Consider placing a credit freeze. Placing a credit freeze makes it more difficult for a thief to open a new account in your name. FYI, however, a credit freeze will not prevent a thief from making changes to your existing accounts.

8. Set a fraud alert, which requires creditors to verify your identity before issuing a credit card, opening a new account, or increasing a credit limit on an existing account. A fraud alert will not stop a lender from opening credit in your name, but it does require lenders to take additional steps to verify your identity beforehand. Better to be safe than sorry.

9. If you discover your identity has been compromised, you should file an identity theft report with the Federal Trade Commission (FTC) at or by phone at 1-877-438-4338.

10. Due to the increased amount of information available, some people are theorizing that we will see an increase in tax return fraud, so if possible do your taxes as early as possible this year.

Our staff is well-trained in sniffing out potential thieves, but we also need you to be vigilant in watching any accounts you may have outside of the Credit Union. Further, don’t click on suspicious links, don’t open attachments, and don’t respond to emails, text messages, or phone calls that are soliciting your information — no matter who the caller or sender is claiming to be.

In the meantime, rest assured that Wauna Credit Union is working around the clock to safeguard your finances, and we are here to answer any questions or concerns you might have.

For a list of FAQs regarding the breach, please visit, and as always, we are here if you have questions or concerns you wish to discuss.

YOUTH MONTH: How to Do Allowances Right, According to the Experts

Allowance rulesOne of the best ways to ensure your children grow up financially fit is to give them practice managing money with an allowance.

But what’s the best way to do an allowance? There are many theories on that.

Ron Lieber, personal finance writer for The New York Times, says he and his wife pay their 7-year-old daughter $3 a week, no chores necessary.

Lieber’s daughter puts $1 in a “save” jar and $1 in a “give” jar for a cause of her choosing. The final $1 she can spend as she wants. Lieber’s reasoning is that an allowance is a teaching tool, and making it contingent on chores muddies the issue. What if the children decide they don’t want money? Do they still have to do the chores?

Lewis Mandell, a financial economist and professor emeritus at the State University of New York, Buffalo, however, says unconditional allowances are a “terrible idea,” citing a 2000 study that showed kids who received a regular allowance left high school knowing less about personal finances than kids who received no allowance—though the differences were slight.

One problem may be that, like many Americans, kids aren’t the most diligent about saving. While 61% of parents pay an allowance, only 1% report that their children save any of it, according to a 2012 survey by the American Institute of CPAs.

The survey found that as children age, they receive a higher allowance, but across all ages the average take is $780 a year. That’s enough to buy an iPad or a good start for a college savings plan—if they were saving.

About 90% of the parents who paid their children an allowance required them to do chores to earn it, but only 81% had spoken to their kids about money management. More parents had spoken to their kids about good manners, their grades, and healthy eating habits than how to handle their money.

So how should you handle an allowance with your own children?FB_Poster Polaroid_1200_4

Use it as a teaching tool

Regardless of how your children earn an allowance, use it as a tool to reinforce good money habits from an early age. Talk about finances early and often, and set a good example.

Consider matching their savings

To encourage savings, tell your children for every $1 they set aside for long-term goals, you’ll match it in their Wauna Credit Union Jump Start Club youth savings account. Share the statements with them so they can see their money grow.

FB_Poster Polaroid_1200_1Gradually introduce them to financial products

Deposit their allowance into a Jump Start Club youth savings account, later a share draft/checking account, and help them manage them wisely. And we can help. Bring in your children to participate in Credit Union Youth Month at any of our branches, and we’ll help them pump up their savings.

Research shows that kids who learn to manage money at an early age are better prepared to handle their finances when they leave home. And, ultimately, teaching children good money skills is a sound investment for parents, who often are the ones helping their adult children when they run into real-world problems.

Learn More about Credit Union Youth Month in this previous blog: