July Anniversaries

Wauna Credit Union has been serving members of the towns and cities surrounding the Columbia River for 52 years. We’re continuing to grow (if you want to join us check out our careers page). July is usually the hottest month of the year, and those celebrating anniversaries in July definitely bring the heat. 

John Moore – 9 years
What is your current position?

I am the Chief Experience Officer and part of WCU’s leadership team. My job is to work with all member facing employees from our MCs in the branches to our different lending departments. My focus is making sure our members feel valued and appreciated for choosing to do their banking with us. I also get to work with our Virtual Branch and how we utilize technology to deliver service to our members who need help or services and can’t make it into a traditional branch.

John With his dog
John teaches his puppy to audit files

What is something that working at WCU has taught you?
Working here at WCU and how our values and mission statement all revolve around people helping people has really taught me the value of the relationships we build with our members. It is so exciting to be with them when they purchase a house, have a baby, or buy their first car. It is also so very rewarding to be there for our members through life’s challenges and to support and council them in a time of need. I love working with our employees and helping them in their careers and seeing the pride they take in their job helping our members throughout our footprint.

If you could choose one new hobby what would it be?
I would love to have the time and resources to build custom furniture. I enjoy working with my hands and building things. I have so many smaller projects like making duck calls, fishing poles, and carvings but would love to have the equipment and time to build custom pieces for people.

Carli Lyon – 14 years
What is your current position?

I am AVP of Virtual Services. I oversee the Virtual Branch which assists members financial needs virtually, whether it is over the phone, online, chat, email, or our virtual teller machines. The Virtual Branch is crucial if members chooses to do their financial business in nontraditional ways such as going into a branch. With the assistance of online services such as U Banking, the Virtual Branch offer members the ability to get assistance with their financial with ease and convenience without having to step foot into a branch. We are the voice you hear when you call Wauna Credit Union. We are the faces you see when you use our drive through ITM machines. We are those on the other side of the chat or email window. Apply for a loan online, that is us too! And, we are always looking to expand our services and make it even easier. Be on the lookout for the possibilities we have coming to you such as ability to open new accounts online, Video Chat, and more!

What is something that working at WCU has taught you?
Wauna Credit Union has taught me that hard work, dedication, and loyalty contributes to your success. I started when I was just 20 years old as an Part-time MSR. At that age, I was just starting out on my own and wasn’t sure where my future would lead but I was set out to be successful in whatever it was I choose to do even if I didn’t hold a college degree. That is exactly what I did and continue to do. Hard work, dedication, strong work ethic, loyalty, motivation, and initiative has made my career here possible.

If you could choose one new hobby what would it be?
If I could choose one new hobby to start and money was not an issue, I would start a Pitbull Rescue Center. Not only do I have a passion for helping people, I have a desire to assist animals that are in need!

Heidi White – 7 years
What is your current position?
I’m a Member Consultant in the Clatskanie branch. One of the most important things about my job is member relationships, whether it’s establishing a rapport with a new member, or continuing to build upon a well-established relationship with somebody I’ve known for a long time. My job is constantly evolving to fit the needs of our members. I started out doing basic transactions and now I do everything from running coin to coaching a member on how to best improve their credit score so they can buy a home.

What is something that working at WCU has taught you?
Working at WCU has taught me to always take the initiative to learn new things. Earlier in the year I noticed that the Credit Union National Association (CUNA) offered a program to teach frontline staff how to best serve our members. I took the training, passed my tests, and became the first CUNA recognized Member Services Level II employee at the credit union.

If you could choose one new hobby what would it be?
If I could choose a new hobby, I would choose to travel all over the world. I just got back from Hawaii with my family and had such a fun time. Who knows, I might even become a travel writer and get paid for it.

Kristen DeForrest – 3 years
What is your current position?

I recently transferred to the Clatskanie Branch to work as our Compliance Specialist. I am currently learning as much as I can about my position! I spend my time filing daily reports, monitoring dormant accounts and assist in making sure we follow up to date policies and procedures.

You’ll always find Kristen at her desk with an iced coffee in hand

What is something that working at WCU has taught you?
Moving to a new branch has challenged me to build new relationships and proven that Wauna is one big family. Our core value of Team and Family spirit is alive all across our footprint.

If you could choose one new hobby what would it be?
I love my little family and the outdoors so I would absolutely love to travel more. I want to experience the world with my family.

Others

  • Jan Durie – 6 Years
  • Amber Alexander – 4 Years
  • McKenzie Lewis – 2 Years
  • John Kurns – 2 Years
  • Lisa Frances – 1 Year
  • Pie Espinoza – 1 Year
  • Joe Talamantez – 1 Year
  • Katrina Pixley – 1 Year

Wauna Credit Union Assists Funding of Affordable Housing Project

The “18th Street Development”, an affordable housing project of 16, 400-square-foot units, is hosting its ribbon-cutting ceremony in St. Helens today.

The project initially struggled to get off the ground, with funding issues keeping construction at bay. Funded by a $675,000 loan from Wauna Credit Union (WCU) and grants from Oregon Housing and Community Services (OHCS), the initiative broke ground in October of 2018.

Senator Betsy Johnson, Director of OHCS Margaret Salazar, and WCU AVP Regional Manager Pam Weller, helped facilitate the funding package. Concept, design, funding, and construction were all completed through local entities.

“We were doing an analysis of the housing crisis in Columbia County and WCU is designed to partner with and help our communities,” said WCU AVP Regional Manager Pam Weller. “We had to find a way to make this happen,” said Weller.

The project is addressing two of Oregon’s 5-year plan regarding affordable housing priorities, first by increasing Oregon’s supply of affordable rental housing and second by addressing homelessness.

“What a great opportunity for St. Helens and Columbia County,” said Senator Betsy Johnson. “The goal is a home for every Oregonian. Human housing is a right and every person here today makes this a reality,” said Johnson.

Twenty-five percent of the unit capacity is reserved for homeless people suffering from mental health issues. Occupancy for 16 individuals and/or families will be available in August.

The Capitol One hack: What you need to know

Unfortunately, we live in a world where data security simply isn’t as secure as it should be. And this week, we’ve learned of yet another major breach. A hack at Capital One has exposed the information of millions of consumers in the U.S. and Canada. The hack represents another in a long list of data leaks over only a few years. Luckily, there are things you can do to protect yourself.

What we know

  • A 33-year-old Seattle resident, named Paige Thompson, gained access to over 100 million Capital One accounts and credit card applications
    • Thompson worked for Amazon Web Services, the cloud hosting company that Capital One was using
  • 140,000 Social Security numbers, 1 million Canadian Social Insurance numbers and 80,000 bank account numbers, in addition to an undisclosed number of people’s names, addresses, credit scores, credit limits, balances, and other information, have been compromised
    • Thompson was able to gain access by exploiting a misconfigured web application firewall
    • She was arrested on 07/29/19
  • Capital One said the hack occurred March 22 and 23, 2019 and includes credit card applications as far back as 2005
  • The company says it has repaired the exposure and that it is “unlikely the information was used for fraud or disseminated by this individual”

What you can do

  • If you hold or have ever held an account with Capitol One, watch for alerts
    • The company is reaching out to consumers they know have been impacted
    • Do not reply to any emails or phone-calls relating to this breach as they may be phishing scams
    • Contact Capitol One directly
  • Sign up for a credit monitoring service
  • Set up fraud alerts on all of your credit and debit cards and accounts
  • Check all of your financial statements regularly
  • View our Identity Theft Toolkit: http://bit.ly/2wO6Dy0
  • Capital One has set up a dedicated web page at https://www.capitalone.com/facts2019/ for information regarding the recent breach

How it happened

  • Thompson claimed to use a special command to extract files in a Capital One directory stored on Amazon’s servers
  • The FBI believes Thompson tweeted that she wanted to distribute Social Security numbers along with full names and dates of birth
  • Someone who saw the information online notified Capital One of the leaked data
    • Capital One notified the FBI, who then searched Thompson’s residence on 07/29/19

The safety and security of our member accounts and personal information is the highest priority at Wauna Credit Union. Keeping member accounts safe and secure is also a shared responsibility. It’s important for members to review their periodic account statements when received and report any suspicious activity immediately to the Credit Union. Working together, we can increase the opportunities to protect the financial interests of our members and the Credit Union.

If you have additional questions or concerns about the security of your information, you are always welcome to contact us at your convenience.

July 2019 Statement Insert – Where Are You Going This Summer, Individual Homeowners Welcome

Individual Homeowners Welcome
USDA, FHA, and VA/IRRRL Loans
Home Equity Lines of Credit
First-Time Homebuyers
Manufactured Homes
Investment Property
Primary Residence
New Construction
Bare Land
24/7 lending
waunafcu.org
800-773-3236
NMLS#421867
Equal Housing Opportunity
July 2019 Statement Insert Page 1
Where are you going this summer?
Get there with Visa Rewards.
VISA Rewards VISA Platinum
VISA For Every Individual
Federally insured by the NCUA

Cascade Crest Insurance
Protect Yourself. Your Family and Your Wallet
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Call 503- 728-4391

July 2019 Statement Insert Page 2

Tips for Scoring Cheap Summer Getaways

Everybody likes a summer vacation, but travel can be expensive. If you’re looking to squeeze one more getaway into your budget before summer ends, our financial aces here at Wauna Credit Union have some tips for traveling on the cheap and getting the best deals.

Go in the Off-Season

During the hottest summer months, business at popular vacation spots like Arizona and New Mexico tends to slow down dramatically. If you can take the heat, you can score some great deals at premium resorts, golf courses, and other attractions during the off-season. Just remember that the off-season is also when many of these places perform annual maintenance and major construction projects. If, for example, a pool is important to you, make sure the resort you’re visiting won’t be renovating it while you’re there.

Buy a Package

When considering a last-minute getaway, travel packages that combine flights, hotel, and sometimes meals, can be the best deals out there. The key is to be flexible on where and when to go.

Get the App for That

These days, there’s a travel app or website for pretty much everything – including the lowest-priced flights, hotels, and travel packages. A few to consider include Kayak, Hipmunk, Momondo, Airfare Watchdog, and Skyscanner. Each has a slightly different focus, so try out several to see which ones work best for your needs. Keep in mind that some of these sites do not carry regional airlines, which often have good deals. And, when you do find a great flight deal, take a look at the airline’s website, since some deals are only available when you book direct.

Get Social

Just as some deals are only available when you book direct, some travel operators offer special deals for those who follow them on social media. The best deals go fast, so follow your favorites on Facebook and Twitter, and subscribe to their promotional email lists. If you live in a smaller town, you could save by driving to a major city where flights are generally cheaper. By the same token, if you live in or are flying to a metropolis like Los Angeles, be sure to look to smaller airports like Burbank, Ontario and Long Beach. They may be slightly less convenient, but many low fare carriers favor these regional airports because their fees are often lower.

Capitalize on the Strong Dollar

If you’ve avoided historically- expensive destinations like Japan, now’s your opportunity to visit and cross them off your bucket list. The strong dollar means exchange rates are favorable, and your money will go farther. If you want to stay closer to home, travel gurus also recommend Canada, since it’s 40% cheaper than it was a year ago.

Getting Mortgage Ready

Wauna Credit Union offers mortgages that are tailored for the people and properties that make up Columbia, Clatsop, Western Washington and Pacific Counties. Applying for a mortgage can often seem complicated, confusing and difficult, but it doesn’t have to be.

Here are five steps you can take now to get mortgage ready next year:

Step 1: Create a saving plan

The money it takes to make a down payment can seem like a huge mountain to climb. The key is making a plan to create easy to manage steps. One of the best ways to grow your savings is to put aside money consistently — even if it’s a small amount. Next is identifying your expenses. Be mindful of spending leaks like dining out, excessive entertainment costs, late fees, etc. It’s a good practice to move any surplus to a separate share account specifically for your home purchase. That way you’re not tempted to use your down payment for other items. If your job offers overtime, see if you can pick up extra hours, or look for opportunities to take on a side job.

Step 2: Review your credit report

Now’s the time to look at your credit report. You can use the free credit reports at annualcreditreport.com to see the information that is on your credit report. You can also come in to talk with one of our Real Estate Loan Officers (RELOs). Ensure all the information is accurate, and dispute any errors you find directly with the credit bureaus.

Step 3: Optimize your credit

Payment history is one of the primary factors in credit scoring, so start making timely payments on all of your accounts. Look for any late payments that may be dragging your score down that were reported in error. Next, pay close attention to your balances on your revolving accounts (credit cards or lines of credit). How much you charge compared to your extended limit affects your credit score negatively (credit utilization ratio). Reduce your balances or pay them off whenever possible. To avoid lower scores, keep balances low (below 30% of your limit) throughout the application process, and don’t take on any new credit.

Step 4: Save money for upfront costs

You will need money to cover upfront costs when you start the home buying process. Once you find the right home and decide to write an offer to purchase, the seller will likely require an earnest money deposit (amount varies). Also, as you approach your closing date, you will need to provide funds for the down payment and closing costs which will depend on varying factors like your mortgage type, purchase price, loan amount, and so forth. We recommend you communicate regularly with your lender, so you know ahead of the closing date exactly how much you will need to bring to closing.

Step 5: Gather your documentation

Gather your most recent 30 days of pay stubs, bank statements, and the past two years of federal tax returns. We’ll also take a look at all borrowers’ two-year employment history. If you are self-employed, or not a W2 employee, we will want to look at your tax returns from the last two years. Last year we put together a video going a little more in depth on what we’ll need. You can watch it here.

While the mortgage application process may seem daunting, being prepared ahead of time will help you breeze through the process. The more you know, the better prepared you will be when you meet with our RELOs for the first time.

Wauna Credit Union Raises Big Bucks for Food for Kids Program

Communities are brought together by many hands, many hardships, and lots of love. For the Food for Kids Program at the St. Vincent de Paul Food Pantry in Astoria, Oregon, it’s no different.

“Last year we put together 2,246 food bags, which puts us just under 13,000 lbs of food provided to our community,” says Pantry volunteer, Janet Wilker.

In just six years, the little pantry located at the Saint Mary’s Star of the Sea Church, has given away over 10,000 food bags. The bags, filled with groceries and provisions, are then given to area individuals and families alike, but more specifically, the children.

“Every now and then we run into a parent who thanks us for being there for their family,” said Lorrie Radu, also a Pantry volunteer. “We like to think of it as delivering a little bag of hope every Friday.”

From left: Kristen DeForrest of WCU, and Lorrie Radu and Janet Wilker of the St. Vincent de Paul Food Panty.

Employees of area financial cooperative, Wauna Credit Union (WCU), choose one charity or non-profit organization within to raise funds toward. This round, they selected the Food for Kids Program. The Credit Union managed to raise over $6,500 for the Pantry. WCU Compliance Specialist, Kristen DeForrest helped coordinate the fundraising efforts.

“Our employees care about giving back to our communities and that’s why we chose the Food for Kids program,” said DeForrest. “I know this food makes a tremendous impact on the students’ ability to learn and grow, and we hope others will join us in supporting this very worthy cause,” she said

St. Vincent de Paul Food Pantry is located at 1465 Grand Ave., Astoria, OR 97103 and is open Tuesdays from 1 to 3 pm and Friday through Saturday from 10 am to noon. They may be reached by phone at (503) 325-2007.

June 2019 Statement Insert

Visa for every Individual
Don’t miss getting your VISA Rewards card
Apply through July and get up to 30,000 Bonus Points*
Get the card that plays!
3.49% Intro APR* For VISA Rewards so you can play and get paid
Standard Rate after Intro Period: 11.15% APR – 17.90% APR
10,000 Bonus Points** After registering at scorecardrewards.com
20,000 Bonus Points** After account balance exceeds $999.99
Check out our VISA Platinum card with a 2.99% Intro APR* at waunafcu.org
Standard Rate after Intro Period: 9.90% APR – 17.90% APR
*APR: Annual Percentage Rate. This special offer is exclusive to new VISA platinum or Rewards credit card accounts opened on or before July 31, 2019. The special 6-Month Introductory Rate periods (Platinum 2.99% APR; Rewards 3.49% APR) apply to purchase balances for a maximum of 6 billing cycles following the account opening date. Qualifying Rewards credit card accounts are eligible to earn up to 30,000 Bonus Reward Points : 20,000 Points if their account balance exceeds $999.99 on or before August 31, 2019; and/or 10,000 Bonus Points when the account holder creates logon credentials and accesses the Scorecard
Rewards website on or before August 31, 2019. Some restrictions apply; Membership with Wauna Credit Union is required. This promotional offer ends July 31, 2019. Promotional details available at waunafcu.org.
24/7 Lending, waunafcu.org, 1-800-773-3236

Individual Homeowners Welcome
Eric & Jessica, Warren

Cascade Crest Insurance
Save Up to 25%
When you bundle home and auto
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Auto, home, renters, life, business
www.cascadecrestinsurance.com

Statement Insert June 2019 Page 1

Individuals Welcome at Wauna Credit Union
Apply 24/7, waunafcu.org, 800-773-3236
Anthony Krueger’s photography is treasured art here in Columbia County. Many of Anthony’s photographs are of the local landmarks we all know and love: the Columbia River, the Astoria-Megler Bridge, the truss bridge spanning the Nehalem River. His 26 years as a member of our community truly shines through in his work. In those 26 years, Anthony has built a family, tenured his art, and grown his career at the Wauna Mill. The best part of Anthony’s career? Flexibility to spend time with his children. “My family comes first before anything,” he says. Like so many of us, Anthony also loves the outdoors. His UTV, pictured above, was financed right here at your Credit Union. You too can enjoy the outdoors with a toy of your own. Now, through the end of July, Wauna Credit Union is offering special financing for motor homes, travel trailers, boats, motorcycles, ATVs, UTVs, and water craft. Get started today and receive a gift card of up to $250* with rates starting as low as 4.75% APR*. Anthony’s breathtaking art truly illustrates a deep respect for the place we call home, and Wauna Credit Union is honored to feature his talent.

*APR: Annual Percentage Rate. Promotional financing terms offered through July 31, 2019, and available for New and Used Purchase loans, and qualifying loans Refinanced from elsewhere to Wauna CU. Qualifying loan types include motor home, travel trailer, boat, motorcycle, ATV, and watercraft. Special terms are subject to change without notice. The loan range to qualify for the promotional terms is $2,000 to $49,999. Approved loans qualify for 60-Days No Payments (interest will continue to accrue during the 60-Days period) plus a VISA Gift Card based on the loan amount: $50 (loan $2,000-$4,999), $100 (loan $5,000-$14,999), $150 ($15,000-$24,999), and $250 (loan $25,000-$49,999). Rates & terms offered based on applicant’s credit worthiness and term of loan. RV-Toy Loan rates start at 4.75% APR for up to 48-months; other rates and terms are also available. Membership with Wauna CU required.

Statement Insert June 2019 Page 2

June 2019 Anniversaries

Wauna Credit Union has been serving members of the towns and cities surrounding the Columbia River for 52 years. We’re continuing to grow (if you want to join us check out our careers page). Today we’re celebrating four employees who are celebrating celebrated anniversaries in May?

Jeannie Mustola – 3 years
What is your current position?
I’m a Member Consultant III in the Clatskanie branch. I help members with all different types of transactions, from applying for a truck loan to setting up a reoccurring transfer to their deposit accounts. I also recently became a Level III Underwriter. That means I get to look for ways to say yes to approving consumer, vehicle, and other personal loans.

What is something that working at WCU has taught you?
Over the last 3 years I have learned so much about how to help people through service tailored to each individual. My relationships with members have grown stronger than ever as a result of being myself while focusing on what is important to them.

If you could choose one new hobby what would it be?
I just bought a new house, so my new hobby is doing DIY projects to fix it up and make it my own. You can find so many helpful tutorials on YouTube.

Hugo Potts – 2 years
What is your current position?
I’m a Lending Support Specialist. I look at all the consumer loan applications, as well as all the vehicle loans that come in from the area dealerships, and ensure they are sound financially. At Wauna, we look for ways to say yes to every single loan, but we do need to make sure we stay a financially fit organization. I also audit the consumer and mortgage file to make sure we have all the documentation we need. My job is important because I help facilitate the loan process in all aspects of the credit union, and help our members realize their financial dreams.

What is something that working at WCU has taught you?
Working at Wauna has taught me so much about life in general. I feel more confident in all aspects of financial lending, and have gained so much knowledge that will serve me for years to come.

If you could choose one new hobby what would it be?
If I had to pick a new hobby it would have to be hiking. There is so much beautiful scenery in Oregon and Washington, and it’s great to see as much of it as possible.

Katelynn and Hugo

Alejandra Bermudez – 2 years
What is your current position?
I am an MC at the Astoria Safeway branch. I am one of the first person you see once you enter the branch, I help members with their financial needs and concerns.

What is something that working at WCU has taught you?
Working at WCU has taught me that when we say “we are family” we truly are and mean it. I have also been taught that there are always learning and promotion opportunities.

If you could choose one new hobby what would it be?
A new hobby I would choose would be to learn to play the piano. I have wanted to learn to play the piano sense I was young and it would be a good bonding moment with my siblings if they are interested as well.

 

 

Autumn Crawford
What is your current position?
I work as an Operations Intern out of Clatskanie three days a week, and the other two days I am an IT intern in Westport.  What both of my jobs have in common is I make sure things run smoothly behind the scenes so that our members have the best experience with our company as possible.

What is something that working at WCU has taught you?
Something that working at Wauna Credit Union has taught me is building credit doesn’t have to be difficult if you stay on top of things. Building credit is a very important thing and it doesn’t have to be scary to young people.

If you could choose one new hobby what would it be?
If I could choose one new hobby it would be paddle boarding, I hope I get to more this summer. I found it really fun to go out with my family on a warm day last summer to enjoy the sun and water.

 

Member Spotlight: Anthony Krueger

Anthony Krueger’s photography is treasured art here in Columbia County. Many of Anthony’s photographs are of the local landmarks we all know and love: the Columbia River, the Astoria-Megler Bridge, the truss bridge spanning the Nehalem River. His 26 years as a member of our community truly shines through in his work.

In those 26 years, Anthony has built a family, tenured his art, and grown his career at the Wauna Mill. The best part of Anthony’s career? Flexibility to spend time with his children. “My family comes first before anything,” he says.

Like so many of us, Anthony also loves the outdoors. His UTV, pictured below, was financed right here at Wauna Credit Union. You too can enjoy the outdoors with a toy of your own. Now, through the end of July, Wauna Credit Union is offering special financing for motor homes, travel trailers, boats, motorcycles, ATVs, UTVs, and water craft. Get started today and receive a gift card of up to $250* with rates starting as low as 4.75% APR*.

Like so many of us, Anthony also loves the outdoors. His UTV, pictured below, was financed right here at Wauna Credit Union. You too can enjoy the outdoors with a toy of your own. Now, through the end of July, Wauna Credit Union is offering special financing for motor homes, travel trailers, boats, motorcycles, ATVs, UTVs, and water craft. Get started today and receive a gift card of up to $250* with rates starting as low as 4.75% APR*.

Anthony’s breathtaking art truly illustrates a deep respect for the place we call home, and Wauna Credit Union is honored to feature his talent.

*APR: Annual Percentage Rate. Promotional financing terms offered through July 31, 2019, and available for New and Used Purchase loans, and qualifying loans Refinanced from elsewhere to Wauna CU. Qualifying loan types include motor home, travel trailer, boat, motorcycle, ATV, and watercraft. Special terms are subject to change without notice. The loan range to qualify for the promotional terms is $2,000 to $49,999. Approved loans qualify for 60-Days No Payments (interest will continue to accrue during the 60-Days period) plus a VISA Gift Card based on the loan amount: $50 (loan $2,000-$4,999), $100 (loan $5,000-$14,999), $150 ($15,000-$24,999), and $250 (loan $25,000-$49,999). Rates & terms offered based on applicant’s credit worthiness and term of loan. RV-Toy Loan rates start at 4.75% APR for up to 48-months; other rates and terms are also available. Membership with Wauna CU required.