Statement Insert – July 2017 – Summer of Adventure, Vacation Funding, Do Days of Summer

Wauna Credit Union July Checking Statement-Summer of Adventure, Vacation Financing, Do Days of Summer

It’s Your Summer Of Adventure!
HAVE FUN NOW! With an easy &
affordable loan on a sporty new ride!
All winter you’ve been dreaming of the warmth of summer, and we know you’ve been wishing for a new Motorcycle, Jet Ski, RV, or Boat to enjoy on those carefree days. We know, because we’ve been having those dreams too!
Wauna Credit Union wants to help you get that new Sport Vehicle now, so you can have fun today! We are ready to help with a super affordable loan and great terms.
Stop in your nearest branch, call 800-773-3236, or apply at waunafcu.org.

Dream Vacation?
A Personal Loan Can Make It Happen!
Live the dream with Personal
Vacation Loan today!
Ask us about getting a loan for the trip of your life, or apply online anytime at waunafcu.org. Start packing that suitcase

VISA for Vacation
Take a Wauna Credit Union VISA Rewards or Platinum Credit Card along with you & save big!
Low interest & few fees make our card a must in your wallet!
Apply online 24/7!

It’s the Do Days Of Summer!
Get Your Projects Done With A HELOC!
1.99% Promotional APR*
Finance up to 100% of Your Home Value
No Loan Origination Costs
*APR: Annual Percentage Rate. This Promotional financing applies to new HELOC accounts opened between April 1, 2017 and August 31, 2017. No closing costs except appraisal if required. Estimated appraisal cost: $745. Your 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. An early closure fee (Title, Recording, Flood Determination; Total is approximately $250) is applied if the loan is closed within the first 36 months. A $35 annual fee will be waived if the Total Finance Charges paid during the previous 12 months is equal to or exceeds $35. You must pay a Re-Conveyance Fee at the end of the contract in order to release our lien. This fee will be determined at the time of re-conveyance. Maximum loan amount is determined by a variety of methods, including County RMV, AVM Report, or Appraised Value. The APR includes interest only and no other costs, and could change at any time. Variable Rate is equal to the Prime Rate index (currently 4.00% APR as of March 20, 2017) as published in the Wall Street Journal and is subject to change.  To determine the APR which will apply to your account, a margin (currently 0.00% APR – 8.50 APR) will be added to your current index rate. As of March 20, 2017, the Variable Annual Percentage Rate for Home Equity Lines of Credit ranged from 4.00% to 12.00%. Home equity loans may qualify for tax deductible interest. Consult with your tax advisor for details. In no event will the regular APR be less than the Prime Rate or more than18% APR or applicable state law. The 1.99% Promotional APR is available for 6 months after the loan is funded. At the beginning of the 7th month, your regular rate will be applied. Minimum monthly payment may change as a result of interest rate changes. This promotional Home Equity Line of Credit enables qualified borrowers to finance up to 100% of their home value. Some restrictions apply. Membership with Wauna Credit Union required; visit waunafcu.org for member eligibility details. This special offer ends August 31, 2017.

50 Things to do with a HELOC from Wauna Credit Union
24 Go Solar
39 Rock Climbing Wall
32 A Tiny House

2017 Scholarship Winners Announced!
Congratulations
Beau Groom
Alexandrea Sage Miller
Cassidy Whitton
Chelsea Sapp
Jacob Hanes
Jadelynn Pickering
Jarod Shaw
Maisy Horness
Makenzie Jahn
Twyla Vittetoe
Good Luck

Get Ready For A Whole New ATM Experience!
Wauna Credit Union is launching “Interactive Teller Machines”
Live teller transactions on our ATMs : No robots, real local & live help!
Coming July 2017!

Wauna Credit Union 50 Years
Trusted Since 1967
Wauna Credit Union membership is open to anyone who lives, works, attends school or worships in Clatsop, Columbia and western Washington County in OR, or Pacific County in WA.
800-773-3236
waunafcu.org
NCUA
Federally Insured By NCUA

Wauna Credit Union 2017 Scholarship Recipients

One of Wauna Credit Union’s core tenants is commitment to the communities we serve. Nowhere is that more important to us than when working with the youth of Columbia County, Clatsop County, Western Washington County in Oregon and Pacific County in Washington. From our programs aimed at our younger members like our Jumpstart Savings Accounts, to our first-time car loan program, and even our financial education programs M3 Money Club and Elements of Money. One of the more rewarding things we do is awarding our annual scholarships to well-deserving members who are continuing their education.

Scholarship banner

This year Wauna Credit Union continued our decades-long tradition, and awarded $7,500 in scholarships to 10 students who have shown commitment to their studies and to the area. The winners represented high schools from all over the footprint (Astoria, Clatskanie, Knappa, Rainier, Scappoose, St. Helens, and Vernonia), and demonstrated the great things that our young members are doing, and the great potential they have to change the future.

Earlier this week, several winners joined members of the credit union’s leadership team for a celebratory dinner, recognizing their achievement, and giving the recipients the opportunity to meet other members also furthering their education. At the dinner, our CFO David Merrell spoke to the group, reveling in their accomplishments, but also highlighting the opportunity a college education has, not just as a vocational endeavor, but also as an opportunity to learn about the world around them and better prepare them for a future as a leader.

When you look at who you are and what you do and what you’re intending to do is that you’re in position to contribute more. Not just that you hopefully make more money and do it that way, but you should be, you can be leaders. Leaders in just influencing people if that’s all it is.

We spend a lot of time trying to learn how to do well in our organization, how to create better organizations. Now you of course are geared towards that. You have a better ability to learn and you can contribute. I think that one of the best talks I’ve heard, some at the beginning of the school year addressing the student body, was will you lead. And that is so important today in society. Will you lead? Will you lead in the good? And we’re not just talking about in your environment. Will you lead in helping others to be better people and have the opportunity. And that’s one of the things that you get, a better opportunity as you go through and get better educated, a continuing education.

As we talk about ways to be better leaders now, I was listening to those talks on that as we go back and hear it again and they’re referencing books I read in high school. They had an impact. They’ve always impacted me. We’ve got engineering. We’ve got biology, science, kinesiology. Those are all good. The biggest impact in going to college is broadening of your knowledge. -David Merrell Wauna Credit Union CFO

The full list of Wauna Credit Union Scholarship winners is as follows:

  • Beau Groom (Scappoose HS); Beau will be attending Azusa Pacific University to study Systems Engineering. He fondly remembers being a mentor for 8th graders, and how it taught him to be compassionate and consistent.
  • Cassidy Whitton (Vernonia HS); Cassidy is going to Oregon State to study Business and then Law. She likes belonging to a credit union because of the personal relationship, and how they know who you are when you walk in and great you with a smile.
  • Chelsea Sapp (Knappa HS); Chelsea is set to go to Whitworth University to study Biology and Psychology. She is planning on being a doctor, but wants to full explore all the sciences while in college to have as wide of a range as possible.
  • Jacob Hanes (St. Helens HS); Jacob is heading to Portland State University to study Engineering or Pre-Med. He is excited about the commitment students at his school are showing to their education, and believes that whenever a student furthers their education past high school they set an example for graduates to come.
  • Jadelynn Pickering (Astoria HS); Jadelynn is going to Portland Community college in order to get a degree in Dental Hygiene. She has focused her life in two-year increments, with a long-term goal of buying a house.
  • Jarod Shaw (Vernonia HS); Jarod is enrolled at Portland Community College’s Diesel Mechanic’s program. He credits his participation in Track in teaching him the importance of being part of a team even when you are an individual.
  • Makenzie Jahn (Rainer HS); Makenzie is entering her sophomore year at Oregon State studying business and interior design. She ultimately wants to start her own business, and contribute back into the community.
  • Maisy Horness (Clatskanie HS); Maisy transferred to Oregon State from Lower Columbia College. She is a Kinesiology major with a goal of earning a Doctorate in Physical Therapy. She credits volunteering at a hospital, as well as her time playing basketball with inspiring her to helping people recover from sports injuries.
  • Sage Miller (Clatskanie HS); Sage is attending University of Oregon in the fall, and will major in Business with a concentration in Sports marketing and a minor in Product Design. She wants to get a degree to help her be a strong leader that contributes back into the community.
  • Twyla Vittetoe (Clatskanie HS); Twyla will be attending Oregon State and studying Biomedical Science. She picked her major because she wants to be part of the decision-making process in medicine.

The application period for Wauna Credit Union Scholarships will begin again in February 2018. The application deadline is later in the year, and winners are announced in June. All members that are high school seniors or current college students (ages 18-22) may apply.

 

 

Teaching Children Financial Literacy

Until 1997 Oregon required personal finance classes. While schools are supposed to weave a host of things into their teaching, the reality is that most schools offer few, if any, financial literacy lessons. That means it’s up to you to teach your children important money lessons.

Two school children smiling

Paying the bills
Most kids don’t think about what keeps the lights on or the Internet powered at home. Talk to them about paying the bills. Explain that, if you fail to submit money every month to utility companies, there’d be no running water, TV, etc. It’s a good way to get them to start appreciating the role of money in day-to-day life.

Savings account
Introduce the concept of saving money by opening a savings account in your children’s names. You’ll have control, but they’ll start to get a sense of responsibility. Plus, they can see cash go in and out, earn interest and more. It’s a great, real-world experience that takes the piggy bank to the next level.

Managing money
The best way for children to learn about money is to actually have some. Whether it’s allowance, income for chores, or birthday money, give them cash when it’s appropriate and let them choose how to spend it.

They’ll probably be tempted to blow it all at once, so talk to them about priorities. Should they spend their cash on candy right now, or put some away for that bike they’ve been saving for?

Don’t forget, teaching your kids to manage their money now can put them on the path to financial success later in life.

June Anniversaries

Wauna Credit Union is growing fast (if you want to join us check out our careers page). The main reason for that is the great service we provide our members. The reason for that great service is our amazing employees. We caught up with a couple who are having their anniversary this month.

Monica Lauber  13 Years
What is your current position?
I am the VP of Mortgage. I oversee the Mortgage Department, and the great employees who help our members make their home ownership and home improvement dreams come true. I’ve been here a while, and it’s amazing to see Wauna Credit Union grow to offer more-and-more products and services, while staying true to the values of the communities we serve.

What is your favorite WCU memory?
The best thing about this job is my favorite memory changes all the time. Right now it’s helping a member who’s been with the credit union since he was in high school buy his first home.  We opened his first checking account, helped him buy a car, and even do business banking with his company.  It’s the great thing aboutPicture of Monica and her son being part of a credit union. We get to establish personal and lifelong relationships with our members.

What is something you like to do when you’re not at work?
My free time revolves around hanging with my family. I love to get out-and-about with my husband Derek and two sons (16 and 8) Magnus and Brokk… It ’s great to see my sons develop their own interests, but also see how they were influenced by us. We are a big jiu-jitsu family so a lot of our time is spent on the mat. I also have 3 adorable American bully’s that love to play.

Jeannie Byrum  1 Year
What is your current position?
I am a Member Consultant II in the Clatskanie branch. My job is to help members with transactions, open accounts, process loans start to finish, educate on building credit, and help any member with any question they may have. (BTW this is actually a really good description). We have a hip-to-hip service philosophy, which means my number one priority is to get to know our members and really listen to their needs. It’s awesome to have the power to be the one who helps.

What is your favorite WCU memory?
It’s not a specific memory, but any time I get to laugh while doing my job. Sometimes it’s when a member cracks a joke and sometimes it’s just when something unexpected happens during the day.  We’re all about getting doing our best, but having fun while we do it.Jeannie and Andrew

What is something you like to do when you’re not at work?
I like to adventure with my boyfriend Andrew. Our favorite thing to do around town is go hiking up in the hills or hit the river. When we get out of town we like to stay outdoors and climb Smith Rock, or explore the trails around Mt. Hood.  I can be a homebody too. Sometimes there’s nothing better than hanging out at reading a good book, or spending time with friends and family.

Kerbie Belknap  1 Year
What is your current position?
I am an MC in Astoria. I assist members with transactions, process loans, and answer any questions members might have. I love being one of the faces of the credit union and getting a chance to talk to our members every day.Kerbie

What is your favorite WCU memory?
My favorite memory has to be the last in service day. We get to chat about how the credit union is growing our products and services to help our members even more. It was so fun to learn more about what we’re doing and see all the people I went to training with, and visit with employees that I don’t get to see often. Our CXO John Moore is quite the DJ, and makes sure that there is plenty of great music and impromptu dance-offs.

What is something you like to do when you’re not at work?
I love to cook, drink wine, watch Netflix, go on vacation and spend time with my two girls and husband.

Others

  • Jacob Humphries – 3 years

Statement Insert – JUNE 2017 – HELOC, VISA, Financial Education

Wauna Credit Union June Statement Insert

Home Equity Line of Credit
It’s the DO Days of Summer!
What’s on your list?
Open up the possibilities with a Home Equity Line of Credit!
Learn more about our special summer HELOC offer on our website or at any Wauna CU branch, and apply today!

Credit Cards
Planning a vacation?
Take a Wauna CU VISA credit card along!
Platinum VISA Credit Cards
Reward VISA Credit Card
Apply on our website or at any Wauna CU branch!
Lower Interest Rates & Fees, Secure EMV Chip Cards, Great Rewards, Balance Transfer Bonus, Introductory Rate Offer

Financial Education
When it comes to money management, we could all do better. Wauna CU now offers Financial Education programs for everyone!
BALANCE for adults
Elements of money for teens
M3 for younger kids

waunafcu.org
800-773-3236

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May Anniversaries

Wauna Credit Union is growing fast (if you want to join us check out our careers page). The main reason for that is the great service we provide our members. The reason for that great service is our amazing employees. We caught up with a couple who are having their anniversary this month.

Laura Wells 5 Years
What is your current position?
My position is Accountant, and I’m part of our “Accounterations” team, Accounting and Operations Support.  Much of my job is to make sure that what happened yesterday balances and makes sense today.  I also balance and monitor the credit union’s corporate account on a daily basis to make sure we always have sufficient cash balances and that everything that should have posted did (and vice versa).  Another one of my tasks is maintaining fixed asset and Laura Wellspersonal property records for the credit union.  We’ve been working on a lot of projects lately, like the Clatskanie remodel and the addition of our Mortgage Origination Office in Long Beach, so there has been (and will continue to be) quite a bit to do for this, which is exciting!

What is your favorite WCU memory?
It’s not one particular memory, but I like when all the employees get together; whether it’s for our annual in-service day or for the annual Christmas party, or during various trainings that are held throughout the year. I like seeing and building relationships with all my coworkers in person that I’m always talking to on the phone or emailing, and in a different context than the everyday grind. I really feel the team and family spirit of the organization when we’re all together.

What is something you like to do when you’re not at work?
I love to travel, both around the US and abroad.  I’ve been to 22 countries. Each place is amazing in its own unique way. I love talking with our CEO Robert about his home country South Africa. Cape Town is one of the most traditionally beautiful cities I’ve ever been to. I have a trip planned to Korea next month.  I taught English there for a year after college and it will be my first time back since moving home seven years ago! Day to day though I’m a bit of a homebody and content with the simple things.  I love coffee dates with friends and spending time with family playing board games, and I don’t mind just hanging out at home watching Netflix with my dog Surrey after a long day at work.

Debi Smiley  29 Years
What is your current position?
I am the Chief Marketing Officer.  My primary job is to oversee the marketing functions/activities of the credit union.  I have the privilege of overseeing a 4 person department dedicated to finding ways to communicate what we offer to the consumer in a creative and effective manner.  In addition, I have the supervisors of the Communication Center, IT Department, and Facility/Maintenance Department report to me.  Having a diversity of teams to work with provides me with the variety and multiplicity that I enjoy.

What is your favorite WCU memory?
One of my favorite memories is when I was able to work with member to assist them in avoiding losses with a very sophisticated scam being presenter to her.  She was confused and I was able to assist her in understanding the situation and the seriousness of what was happening to her.  Through these efforts, she was able to avoid losing thousands of dollars.  It was very rewarding to be a small Debi Smileypart in assisting this member.

What is something you like to do when you’re not at work?
The thing I enjoy the most is FAMILY!  I truly cherish and look forward to spending time with them.  This includes attending many grandchildren events, BBQs, family reunions, day visits, and the holidays.  I am truly blessed and enjoy being with them as often as I can.  The other love I have is traveling with my husband.  We take adventures as often as we can and enjoy visiting new sights whether it just going down the road locally or across the country.

Others

  • Loren Ames – 8 years
  • Tonya Dick – 8 years
  • Cory DeForrest – 2 years
  • Amanda Leader – 2 years
  • Jennifer Clark – 1 year

Do You Need a New Car? It’s Time to Spring Into Action!

Wauna Credit Union is Offering an amazing way to save on a new/used car purchase this week.

Spring Fling ad

Spring Fling Coastal Auto Sale:

This weekend (May 11-13) is the 4th Annual SPRING FLING Auto Sale at four coastal auto dealers – Astoria Ford, Lum’s Auto Center, Ocean Crest Motors, & Warrenton KIA.

Wauna Credit Union will have lending officers on site to make your financing happen immediately. Plus, we are offering 60 Days No Payments and giving people a chance to win a great new barbecue! All of the auto dealers will be offering special low prices during the days of the sale, May 11, 12 and 13th. Come out and take some test drives and find yourself a great new car!

Get Pre-Approved!

No matter where you are in our service area – from Scappoose to Vernonia to Warrenton – All of our branches offer great low rates and can answer any question you have about the process.

Plus, if you get pre-approved at one of our branches or with online/mobile application, we offer much lower rates on Mechanical Breakdown Protection (MBP) & Guaranteed Auto Protection (GAP), and we also have competitive rates on Auto Insurance!

Force Ghosts and Your Credit

Last week was Star Wars Day, which Wauna Credit Union always dutifully celebrates—we’d also celebrate John Wayne Day if anybody wants to help us get that going. On its surface, Star Wars Day is just a fun way for us to dress up like Darth Vader and have fun with our members, but there are actually several things that the preeminent saga of our time can teach us.Image of WCU employees wearing Star Wars garb

One of those things is how things we do and decisions we make can stay with us throughout our life. In Star Wars Luke literally sees and hears Obi Wan, Yoda and eventually Anakin–Sebastian Shaw not Hayden Christensen thank you very much—who continue to guide him. Similarly, we are all guided by the lessons imparted on us by our parents, teachers and other influences. Very often these lessons help us, but sometimes people learn the wrong way to handle finances.

Often people fall behind early and are constantly being visited by malevolent ghosts who encourage them to spend more than they have, not pay bills on time and consistently over-extend themselves. Wauna CU has multiple online ways to help with this, education programs like Balance for adults, The M3 Money Club for young children and The Elements of Money for teens.

A lot of us prefer in person help as well, for that we offer a credit enhancement program. As a community-oriented institution we want to help be that positive Smiling woman helping members-Stock Force Ghostinfluence for our members. Our member consultants will sit down with a member whose credit isn’t quite where they want it to be, and go over their credit report, explain what the different notes and indications mean, provide a plan of attack and then periodically check in to apprise progress. Teaming with our members like this is one of the ways we stay true to our goal of being a true member of the areas we serve.

Employee of the Quarter Laura Lovegren

Every quarter Wauna Credit Union celebrates one employee who exemplifies our mission to “Provide opportunities for our members to build their financial well-being,” and our vision to be “the financial institution that members choose first, use the most, and grow with throughout their lives.” For this quarter our Employee of the Quarter is Laura Lovegren.

How long have you been at WCU? This is my second go-around at Wauna Credit Union. I initially worked as a teller, which is now called an MSR to reflect all the work they do for our members, about five years ago. It was such a great experience to interact with all the members and be hands on with what we do at the credit union. When there was an opening to come back in 2015 I jumped at the opportunity, and have been there since then.

What brought you here? I wanted to go to a place where I could serve my local community and grow my career. WCU is so great about providing career paths for all of our employees. As long as you’re willing to work hard there’s opportunity.  

What is your title? I’m an EFT Clerk. That means I’m responsible for  putting electronic payments and money transfers through the ACH process. I make sure everything is correct, and then push the transfers through. Before I was an EFT Clerk, I was an MSR and MC. Working with our members every day was such a great experience.

What is your favorite thing about working here? That’s easy. It’s the family culture. I love that we set goals and when we grow we set more. I am happy to come here every day, and feel empowered by the people I am surrounded by, who help me work to become a better person.

What project has been your favorite? Learning to my job as EFT has been exciting for me. WCU really emphasizes Integrity Coaching. I love learning about who people are and how to better communicate.

Where did you grow up? I’m a Clatskanie lifer. My son and daughter went to high school here, and I still volunteer with the school even though my son is always on the road performing in logging shows and my daughter now has a child of her own. Growing up here really led me to enjoying all the community has to offer. I enjoy spending time with my family, friends and four dogs, clam digging and organizing (yes as a hobby!).

 

Statement Insert – May 2017 – HELOC, Spring Fling, VISA

May Statement

Unlock the power of a HELOC,
and get those projects done!

Low interest rates
easy and affordable terms!
No closing costs!
Help us build our beach house! Get a HELOC and you’ll be entered to win your own beach weekend!
*See website for details!

Spring Fling Auto Sale!
It’s time once again…
May 11-13 at the coast!
Prizes! Get Mom a new car.
Food and Fun!
Lum’s Auto Center
Astoria Ford
Ocean Crest
Warrenton Kia.

Can you believe it? Wauna Credit Union is 50!
Join us for the celebration all year!
Weekly drawings! Giveaways!
Look for the new Wauna Credit Union Stage at St. Helens Oregon Waterfront!

Get a Wauna Credit Union VISA Credit Card
Low rates and fees!
Use it everywhere you go!
EMV Chip for Security!
Verified By VISA online shopping!