Bill Pay moving to Single Sign-On – Now in Online Banking!

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Bill Pay is now one step easier to access!

Great News!

Beginning November 16, 2016, Bill Pay users will no longer be required to use an extra Login procedure to access the Wauna Credit Union Bill Pay service!

Instead, on that date, Bill Pay users will simply login to their personal Online Banking page — and then click the Bill Pay service option (located in the left-side menu bar).  That’s it!

Important Note:

Any “Favorites” bookmarks created in an Internet browser (to access the Bill Pay service login page) will no longer connect users to Bill Pay. Instead, simply change the bookmark to the Wauna Credit Union website address and then access Bill Pay directly through the Online Banking service.

If you have any questions or concerns, please contact Wauna Credit Union representatives during regular business hours.

 

PLEASE NOTE: We have been running tests on the new Billpay for some time, please be patient if there are any minor issues when we go live on the 16th. Thank You!

Wauna Credit Union

ALERT: Notification for Brief Service Disruption early morning November 15th & 16th

alertIconBrief Service Disruption early morning November 15th & 16th

One of our Internet service providers has announced the potential for brief disruption of their service between the hours of Midnight – 6:00 a.m. Tuesday, November 15, and Wednesday, November 16, for needed maintenance. Additional maintenance could be required for the same time period Thursday, November 17, and Friday, November 18.

If a disruption of their service should occur, the impact may cause Wauna Credit Union online and mobile services to be unavailable to members.  The vendor expects any potential disruption to be no longer than 60 minutes.

After the vendor has completed their maintenance, Wauna Credit Union online and mobile services will be restored.

Wauna Credit Union officials thank the membership for their patience and understanding during such situations.

Wauna Credit Union

NOVEMBER Statement Insert: VISA Cards & MoneyDesktop

Enjoy our November 2016  Statement Insert:
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Wauna CU VISA Credit Cards

  • Lower Interest Rates Save Money!
  • Earn More Rewards For Merchandise!
  • EMV-Chip Protected Cards for Security!
  • Balance Transfer Bonus!

It’s Time For Shopping Season!

Watch for exciting news about this Holiday Shopping Season
& our Wauna CU VISA Cards!

“Where Did My Paycheck Go?”

MoneyDesktop & MoneyMobile is here for anyone who has ever asked that question.

  • Budgeting, Spending, & Saving Help Awaits!
  • It’s free & already in your online banking!

Smart Money: Best Moves for 20-Something Investors

Investing early makes saving for retirement much easier!

When it comes to investing early in life, you likely have two things on your side: time and flexibility. Although a 2015 survey found that most millennials don’t think they’ll have enough money saved for retirement, investing is one way to help build wealth for the future. Here are some of the best investments you can make in your 20s.

Real estate

If you have enough money set aside for a down payment, consider buying a home with rentable space, so you can live in one section and rent out the rest. Any rent you receive can help cover the mortgage and other expenses; the tax benefits of homeownership are substantial, and the home’s value will likely rise over time.

However, owning property comes with added costs, such as insurance, taxes and maintenance, while related income can drop if rental space goes unoccupied. There’s also the risk that property values might decline or rise only slowly, and if you wind up with an unruly tenant, evictions can be time-consuming and expensive. Unlike selling stocks or investment funds, you might find it harder to sell a home, should that become necessary. Property ownership generally should be regarded as a long-term investment.

401(k) plans

If your employer offers a 401(k) plan, it’s a good idea to participate and see whether a Roth option is available. If it is, you can designate some or all of your contributions for a Roth 401(k), which means you forgo an immediate tax benefit, but withdrawals, including any investment gains, are generally tax-free. Younger investors are often in a better position to invest in riskier vehicles such as stocks as part of their retirement accounts, because they have more time to recoup any losses they may suffer.

Index funds, or funds that track the index of a specific financial market, are typically an easy-to-manage way for investing in the stock market. From 2005 to 2015, for example, the Standard & Poor’s 500 Index of U.S. stocks grew an average of roughly 8% per year. While past performance doesn’t indicate future returns, $5,000 invested in an S&P 500 index fund that gains 8% annually, with $60 a month added to the investment, would produce a nest egg of about $200,000 in 35 years.

Of course, there are other alternatives such as investing in individual stocks or commodity funds. As you get closer to retirement, it’s smarter to take a less-risky approach by shifting money to more conservative investments such as government bonds. (Some brokers offer mutual funds that will do the rebalancing for you, investing heavily in stocks when you’re younger and moving the money more toward bonds as you approach retirement age.)

Roth IRA

If you don’t have a Roth 401(k) option, then a Roth IRA can be another way to accumulate tax-free wealth. These come with a contribution limit of $5,500 annually, along with other income-based restrictions. These funds can be invested similarly to a 401(k).

Keep in mind that investing retirement funds can expose you to the risk of losses. If you prefer the lowest possible risk, certificates of deposit offered by banks and similar savings certificates available from credit unions are generally insured for up to $250,000 but deliver relatively low returns.

As you decide how to invest your money, remember that starting now can make a big difference in determining the amount of money you’ll end up with later on, as any retirement calculator will indicate. Assess what investments make sense for you based on the money you have and the risk you’re willing to take to give your financial future a good boost.

© Copyright 2016 NerdWallet, Inc. All Rights Reserved

Thanks to our friends at NerdWallet for this informative post.

PRESS: Committed To Coaching – Trainer creates advisers, advocates, leaders, and ambassadors among staff

Danea Press CU Magazine

(See the original article here: http://news.cuna.org/articles/111029-committed-to-coaching?platform=hootsuite)

Some people just know how to create their own destiny.

Danea Passmore, for instance, started her career with Wauna Federal Credit Union, Clatskanie, Ore., as an on-call teller.

Within a year she was promoted to full-time teller and then operations manager. Today, as vice president of training, she runs her own department.

When Passmore took on the role of part-time trainer several years ago, the management team noticed her drive, determination, and dedication.

“She was so committed to the credit union movement and our members and employees that she spent months networking and meeting with other credit union trainers and business partners, looking for the right training model,” says John Moore, chief sales officer for the $175 million asset credit union.

Under Passmore’s direction, each employee has gone through a seven-week training program on sales and service, and leaders have been trained on effective coaching.

Each new employee spends the first two weeks of employment being trained in the credit union’s culture and approach to member service.

“Wauna Federal is an amazing place to work and I love having the opportunity to train employees so they can be successful,” Passmore says. “I am honored to help our employees grow from where they are to where they want to be.”

Passmore believes in training employees to be advisers and advocates, leaders and ambassadors. She is passionate about hiring for the right attitude first, and then providing the necessary training and support.

As a result, members will stay loyal to the credit union because of its employees.

“What we do within our four walls is create a member experience,” says Moore. “But our job doesn’t end there. Our involvement within the communities we serve, where we champion the credit union difference, is equally important.

“Danea is heavily involved in supporting causes and serving as a leader in community programs,” he continues. “She has a life and light about her that drives us all to be better at what we do and who we are.”

OCTOBER STATEMENT INSERT: Call for Nominations!

October 2016 Statement Insert:

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Call For Nominations: 50th Annual Meeting Scheduled For Saturday, March 4, 2017

Wauna Credit Union announces its annual Call for Nominations for the election of members to its volunteer board of directors. Elected officials help to set the direction and the policies for our member-owned, member-directed financial institution.

Qualifying candidates must be at least 18 years of age and in good standing with the Credit Union. Candidate applications are now available at any branch, by mail (call 800-773-3236), and on our website. The deadline to submit a completed application is close of business Thursday, November 10, 2016. The By-Laws do offer a petition option; petition deadline is January 23, 2017. There will be no nominations from the floor during the 50th Annual Meeting.

If you have any questions, please contact the Board Governance Committee Chair, Chrissy Johnston, at 503-728-6124 or
by email at gcomm@waunafcu.org.

Election Information:

The next elections for open positions on the board of directors will be conducted by electronic ballot, commencing January 26, 2017, and concluding at midnight, February 26, 2017. Results from the election will be announced during our 50th Annual Meeting, scheduled for 2:00 p.m. on March 4, 2017, at the Clatskanie Cultural Center (Clatskanie, Oregon).

Is your mind on your money and your money on your mind? We can help…

BALANCE:

Balance is a Financial Education service offered for FREE to all Wauna CU members. Sign up for an account on our website and get tools to help budget, reach saving goals, and learn more about an array of financial topics – from teaching teens about money to navigating a bankruptcy.

Balance offers FREE financial counseling for our members with professional advisors, offering debt repayment advice, home purchase help, and foreclosure prevention solutions.

It’s yours FREE for being a member of Wauna Credit Union! Why? Because our ONLY mission is to provide opportunities to our members to build their financial well-being!

CardValet:

Be proactive in defending your accounts by using the CardValet app. You’ll know every time your debit card is used, and be able to turn it off when not using it!

  • CardValet allows Debit Card users to literally turn their card off & on with one click!
  • CardValet can alert you every time your Debit Card is used!
  • Control your spending by setting up dollar amount limits.
  • Set your Card automatically turn off if it’s more than a certain distance away from you!
  • For Android & Apple!

2016-ICU-Day-Principles[1]International Credit Union Day!

  • October 20, 2016
  • All Branches

Win Prizes in our Website & Facebook contest! Coloring Contest for Kids!!
Stop in any Wauna CU branch for refreshments & to learn more about the Credit Union Movement!

EMPLOYEE OF THE QUARTER: Jacob Humphries, IT Systems Admin

jacob-circleJacob  Humphries is our reigning Employee of the Quarter (EOQ), and it’s no surprise given his expertise in all matters technological.

The Wonderful World Of Wauna caught up with our busy tech guru to get some questions answered. It shouldn’t really be a surprise that most of his answers were very short – except the one about video games – A techie to the core!

If you happen to see Jacob in a branch, be sure to say hi!

Name: Jacob W Humphries

Title: Systems Administrator II

How long have you worked at WCU? Little over 2 Years

What do you do at Wauna CU? If it uses electricity, I make sure it keeps doing so…

Where are you from, what did you do before you came to work here? I’m from Astoria, Ive been doing IT since the 90s

What is the best thing about working here? Each of the employees, We have an awesome Wauna family

Favorite color, why? Green, I enjoy nature!

Favorite food? Ice Cream, It’s a food, right?

Zodiac sign? Taurus

What do you do when you aren’t at work? I have 2 energetic kids so there is little time left for hobbies, but when I do have time, I build and race multirotor drones.

What is your favorite Wauna CU product or service? Why? Mobile banking, I use it more than any other service.

Last good movie you saw? Star Trek Beyond

Last good book you read? ‘It’s Your Ship’ by Captain D Michael Abrashoff

Favorite video game? I was a Halo fan until they killed off Master Chief at the end of the third game. I packed away the Xbox never to touch a game console again. I like Battlefield and Star Wars Battlefront on PC.  My favorite game of all time was Day of Defeat. It was a WW1 FPS game on the PC, Axis vs Allies. There was a third team called spectators which you could join to just view the game as if you were a ghost. We found a way to join the spectator team right after being killed and drop from the sky holding the last gun that was in your hands prior to your death. Since there was no player model for the spectator, Allies would see the Spectator as an Allie and Axis saw the same spectator as being in Axis Clothes, Each team would think we were on their team. When a Spectator would capture a flag or hold a control point, the game would just remove said flag, Thus ending the normal game play completely as nobody could get the flag after it was gone. If they ever killed one of us, we would just drop from the sky once more the moment we got shot. We would get into a server, stop the normal game, then hide in buildings and shoot anyone who got too close. Soon Axis and Allies were cooperating to find us and end the madness, Since we always looked like a friendly soldier and never an enemy, this created distrust amongst the real players and they would shoot each other as the whole game devolved into anarchy. Think Cylons of WW1.

Are all tech people sci-fi geeks? Not all but to succeed in tech one should be capable of imagining where tech might be in the future in order to foresee the innovations one can make.

 

EVENT: FREE Webinar for College Finance options in September

Mother with Son on Graduation Day
Mother with Son on Graduation Day

Is it time to learn about financing college? Wauna CU is partnering with BALANCE to share this FREE webinar for students and parents:  https://attendee.gotowebinar.com/rt/5797103962286581506

  • Attend on September 8th or 20th and learn the best ways to save and borrow for higher education.
  • Just fill in your name, email address, and that Wauna Credit Union is your provider, pick a day and you’re done!

About the webinar: 

As the cost of college tuition continues to rise, parents wonder how they can afford to pay for higher education for children or themselves. Participants will learn about long-term savings strategies, financial aid opportunities, and other ways they can make college education a reality.
About BALANCE:
At Wauna FCU, we care about your financial wellness. That’s why we’ve partnered with industry-leading BALANCE to provide you with free access to expertly-crafted financial education and resources to help with your fiscal matters. And should you need, BALANCE can assist with confidential, no-cost financial counseling services to help you develop a sensible budget managing spending and debt. For all your financial life stage changes and more, we—in partnership with BALANCE—are here to help.

SEPTEMBER STATEMENT INSERT – If you missed our informational insert

September Statement Insert 2016

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Save the paper, reduce the clutter, & be more secure with E-Statements!

  • E-Statements protect your identity better than paper statements.
  • Just click “E-Statements” in Online Banking* to sign up, it’s so easy!

Want to stay up to the minute with Wauna CU’s Updates, Events, Alerts & Occasional Giveaways?

Enjoy great tips on saving, borrowing, and investing?
Do you like to see our staff being wacky, praised, & even promoted?

That’s what’s on our Social Media Channels – Check us out!

The Clatskanie Sign Returns From Its Makeover!

New Clatskanie Signs Mark another Milestone in the Wauna CU Branch Remodel

Wauna CU’s Clatskanie branch had some Special deliveries recently! The monument sign that sits atop a Sphinx-like brick structure has returned with a new, modern face. A new Wauna logo sign appears atop the front door entrance of the branch, AND a brand new LCD display was affixed to the building, ready to share the time, weather and great information to all passersby!

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The Clatskanie branch has been going through a major renovation since April of this year and is finally nearing completion. Phase 4, which includes the second floor operations and administration areas, will soon be finished to accommodate our growing organization and give staff a more modern facility to work in.

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The updated outdoor signage is just another leap in this process. Earlier we launched our new “Financial Center” for members, and out staff was given additional training to allow them to help the member from the beginning to the end of their transaction – whether it’s a simple deposit or a home loan, our Member Consultants are ready, willing and able to assist.

Stay tuned for news on our Grand Re-opening coming this fall!

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