Statement Insert – January 2018 Annual Meeting, Balance Transfer, HELOC

Wauna Credit Union
waunafcu.org 800-773-3236
All deposits up to @250,000 are insured by the National Credit Union Administration, and backed by the full faith and credit of the U.S. government.

2018 is here!
Make it a year of financial success!
Wauna Credit Union is ready to help!

51st Annual Meeting
Tuesday, March 20, 2018, 6:30 pm at the newly dedicated
Erlene Darby Learning Center
49249 Hwy 30, Westport, Oregon
Doors open at 6 pm/light refreshments served
The Governance Committee of the Board of Directors has approved three nominees for three positions on the Board of Directors from applications submitted by members. Their names and biographical information are included below.
An election will not be conducted by ballot, and there will be no nominations from the floor at the annual meeting when the number of nominees equals the number of positions to be filled, which is currently the situation. Any other member who desires to run for the Board may do so now only by a nomination by petition signed by 211 credit union members over the age of 18-years.
An application may be requested by calling 1-800-773-3236, ext 3124 or ext 3115. Completed applications must be received by end of business on February 8, 2017, and may be mailed to Wauna Credit Union, Attn: Governance Committee, PO Box 67, Clatskanie, OR 97016, or may be turned in at any branch location by the end of business February 8, 2017.
The incumbents are:
Chrissy Johnson, Scappoose OR
Bob Perry, Vernonia OR
Jennifer Teeter, Astoria OR

Carrying too much high interest debt somewhere else?
Wauna Credit Union can help with an affordable balance transfer!
We offer great rates and bonuses on our VISA Rewards Credit Cards!
Get an extra special rate until February 17, 2018!
Plus take full advantage of our budgeting tools, free budget counseling and online financial literacy courses.
Apply at waunafcu.org or by phone: 800-773-3236
24 hours a day, 7 days a week

Elbows Deep in Home Improvement Projects?
A home equity line of credit can fix it all!
Wauna Credit Union offers affordable HELOCs for home improvements, for paying off debt, or whatever else you can think of. Apply 24/7
Home Equity Line of Credit loans offered on approved credit. Applicant’s 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. Some restrictions apply. Non-members may apply for a HELOC; Membership with Wauna Credit Union is required for a HELOC to be funded. Visit waunafcu.org for member eligibility details.

Scholarships For Students
Wauna Credit Union supports our student members, one way we do this is with our annual scholarship opportunities. Applications are available on our website in mid-January, and will be accepted until April 16, 2018.

intuit TurboTax
Use TurboTax on waunafcu.org and save!
Dreaming about your tax refund?
Dream bigger – use TurboTax and be entered to win $25k! Plus, get member discounts when you use TurboTax through the link at waunafcu.org!

Be Ready For the Holidays in 2018
(or other year end expenses) Join the Holiday Club!
For decades, Wauna Credit Union has offered a Holiday Club account, with
a higher interest rate so members can earn more on their money! Members earn interest starting at a $50 balance, and as their balance grows, so does the bonus
dividend.
Members can set up automatic deposits for any amount they want to drop into the account daily, weekly, or monthly — which makes building your Holiday Club fund super simple! Then, around the end of October, the account empties right into your checking account to use for holiday shopping, property taxes, or other expenses.
Holiday Club accounts are a throwback to a bygone era, but still as relevant for saving as ever! While it’s a great way to save, most members don’t take advantage of this higher rate account or even know it exists. Stop in your local branch to start a Holiday Club account today, so you’ll be ready for the holidays
next year pain-free!

Live for Today! Plan for Tomorrow
Starting an IRA to save for retirement or your children’s college education can be easy and pain free. Speak to a Member Consultant at any Wauna CU branch to learn just how simple saving for the future can be. Our robust IRA program will help you play more and worry less.

Notice For Holders of IRAs
Payments from your IRA are subject to federal income tax withholding, unless you elect no withholding. You may change your withholding election at any time prior to your receipt of payment. To change your withholding election, complete
the appropriate form provided by Wauna Credit Union. Withholding from IRA payments, when combined with other withholding, MAY relieve you from payment of estimated income taxes. However, your withholding election does not affect the amount of income tax you pay. You may incur penalties under the estimated tax rules if your withholding and estimated tax payments are insufficient.