Protect yourself this holiday shopping season

As your credit union, we want to help you make the most of your time and money during the holidays while keeping your financial information safe and secure. Smart shopping strategies can also keep your finances from going “into the red” on Black Friday.

This, the busiest shopping day of the year, signals the start of the holiday shopping season — and it promises to be robust. With low unemployment and increased consumer confidence, the National Retail Federation reports that Americans are expected to increase spending by 4.5 percent over last year, shelling out an average of $1,007 this holiday season.

Even if you don’t plan to spend thousands of those hard-earned dollars, the following tips will help you find the best bang for your buck, encourage safe shopping habits, and keep your finances going from black to red when shopping for deals and holiday steals.

 

Preparation is key:

  • Use a budget—and stick to it. Decide ahead of time how much you want to spend on your Black Friday shopping spree and do your best to resist impulse buying — especially if you’re not sure how good a specific deal is. Black Friday sales, including door-buster specials, are designed to get you into a store so that the retailer can sell you something else.
  • Make a list. The holidays are an exciting time, and it can be easy to get carried away. Making a list might keep you from buying something that’s beyond your budget.
  • Start early. You can no longer count on checking the ads in the Sunday paper to get the best deals. To judge how good a sale may be, you’ll need to track the deals leading up to Black Friday and Cyber Monday, too.
  • Know before you go. Study the ads — in print and online — the weekend before Thanksgiving.
  • Check one of the Black Friday websites. You’ll find tons of leaked Black Friday ads like net and blackfriday.gottadeal.com.

 Gather your tools:

  • Use tech to comparison shop. You don’t have to go retailer-by-retailer to compare prices. Try Google Shopping and services like NexTag. Apps such as ShopSavvy and Shopkick let you scan bar codes or QR codes to compare prices, get discounts, and score coupons.
  • Check the retailers’ apps. Many Black Friday sites have their own apps but so do the big guys like Amazon, Best Buy, and Walmart. Amazon’s app, for example, lets you use a smartphone camera to scan products and price-shop online.
  • Use loyalty programs. Stores with loyalty programs may offer sales and promotions to their members first, then let them earn rewards on what they buy. Black Friday shopping alerts can get you first dibs on promotions, coupons, and discounts.
  • Get social. The Facebook pages and Twitter feeds of your favorite retailers are a great way to find out about deals and promotions. Retailers will often reward customers who like or follow them with special alerts to Black Friday discounts and incentives.
  • Check the store’s policies. Almost all of the major retailers have some form of price-match policy, but some stores might suspend their price-match guarantees during the Black Friday weekend on certain items, so read the fine print.

Other money-saving options:

  • Try an older model. When buying electronics, consider older versions that may have been the latest and greatest just a few months ago.
  • Track your spending. Review your account statements, pay bills regularly, and monitor your accounts through online banking.
  • Use your talents. Give a homemade gift of baked goods, mason jar mixes, or art. Homemade gifts can cost a fraction of a similar item from a store.
  • Use Credit Card Reward Programs. Consider a WCU VISA Rewards card and earn big, big points. You’re spending money regardless, so give yourself something in return and save $$ on a lower interest rate over the big banks.

Strategies to safeguard your credit and debit card purchases:

At the store…

  • At the cash register, protect your PIN by blocking the keypad from the view of cashiers or other customers.
  • Some non-metal keypads have heat sensors that are active for several minutes. Infrared cameras on smartphones can be used to obtain your PIN. We suggest resting your fingers on other keys as you enter your PIN. May seem silly, but better safe than sorry.

When shopping online…

  • Do not use public wireless networks for online purchases.
  • Shop on trusted sites with https:// in the URL. Be sure an icon with a lock appears to the left. The “s” stands for “secure” and indicates communication with a site that is encrypted.
  • Type the merchant’s address directly into your browser; avoid links.
  • Use complicated passwords with at least eight characters. Include numbers, special characters, and upper- and lower-case numbers.
  • Keep the operating system, antivirus, and security software updated on your computers and mobile devices.

Set yourself up for success:

  • Use our online account monitoring service through U-Banking and report any suspicious activity to us right away.
  • Keep a list of all card account numbers in a safe place, so you can report it immediately if they are lost or stolen.
  • We recommend that you don’t store your payment information on shopping sites or shopping apps.
  • Increase your account security by linking your debit card to a secondary account rather than your main account. Or, opt to use credit cards exclusively for purchases.

The gift of a brighter financial future

Give yourself the gift of a brighter financial future this holiday season. Take education classes or look for low interest loans to help you achieve your financial dreams in the coming year. Stop by a branch or visit us online for possibilities. With the safety and security of Wauna Credit Union at your back, this is sure to be a wonderful holiday season!

October Monthly Insert

October Insert Page 1

Stuff Your Stocking
This holiday season reward yourself with your
Wauna Credit Union Visa Rewards card!
Every purchase in November and December earns
double rewards points.
Purchases on Nov. 22-26 & Dec. 22-26 earn
triple rewards points.
In addition every new Visa Rewards Credit
Card opened in November
automatically receive 5,000 rewards points
Members using their Wauna Credit Union VISA Rewards Credit Card
will earn Double Rewards Points (2-Two Rewards Points for each $1
purchase posted to their account) between November 1 and
December 31, 2018. Members will also earn Triple Rewards Points
(3-Three Reward Points for each $1 purchase posted to their account)
for qualifying purchases made on these dates: November 22 – 26, 2018
(Black Friday, Shop Local Saturday, Cyber-Monday, etc.); and December
21-26. New VISA Reward Credit Card accounts opened November
1- 30, 2018, qualify for 5,000 Immediate Rewards Points, and are eligible
for the Double and Triple Rewards Points special offer. Membership
with Wauna Credit Union required. Rewards Points are non-transferable.
Complete promotion details available at waunafcu.org. This special offer
ends December 31, 2018.

Wauna Credit Union
waunafcu.org
800-773-3236
Apply 24/7
NMLS# 421867
Our mission is to provide opportunities for
our members to build their financial well-being

NCUA
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.

 

October Insert Page 2

Virtual Teller Units
Now Here
Astoria – Warrenton
October 2018

I am very futuristic, but unlike some futuristic things, I am
secure, east to use, and the folks who pop up on my screen
are not located somewhere else in the worlds; they are in
Astoria. With a simple touch, you can talk to them…Live.
And guess what? If you don’t feel like chatting, I am an ATM too!
See you soon!
Tim

What’s Down Your Chimney?
Maybe it’s a home equity loan from Wauna
Credit Union that will give you the extra
help you need for that spring time home
improvement project, which can lead to
peace of mind and an extra merry season.

Equal Housing Opportunity
NMLS #431867

The Holiday Season is All About Rewards

I know it’s a bit early to start thinking about decking the halls, and planning holiday dinners, but as the calendar turns to November, well at least as the date on your smartphone says November, and the weather begins to cool, it’s time to admit that the holiday season is upon us. At Wauna Credit Union, we want to be the first to give you a gift. That’s why in November and December, all purchases on your Wauna Credit Union Visa Reward Credit Card will earn Double Rewards Points. In fact to make it even sweeter, when you make purchases November 23-27 and on December 24 will earn Triple Rewards Points!*

Now what you do with those rewards points is up to you. If you go to https://www.scorecardrewards.com you can get an idea of what is available (short answer is almost everything!). At WCU we recommend you spend them on yourself as a January treat to yourself for all your hard work. There are even deep see fishing excursions, a St. Maarten getaway for two, and family Disneyland vacations.

A few suggestions;

The Family Matriarch Reward PackHand Spa
Make a cup in your 4-Cup Espresso & Cappuccino machine, set up your SlumberScents Aroma Diffuser, then sit in your Shiatsu Pro Plus Kneading Massage Cushion with Heat, play some music from your SoundLink Revolve Bluetooth speaker and read a book on your Fire HD8. If you’re interested you can even relax with the Conair Massaging Hand Spa.

 

The Outdoor Pack

Trail Camera

Get some steaks, burgers and franks from Omaha Steaks, throw them in your Yeti Roadie 20 and head to your favorite campsite. Find a good spot for your Bushnell Trophy Cam HD Aggressor 24MP No-Glow Trail Camera. Make sure you don’t wait until it’s dark when you set up your Coleman two-burner propane stove and  8-person tent, or you’ll have to use your 350-Lumen LED IllumiLast aluminum flashlight.

The Gamer Pack
Gamers are a different group. Whether you’re playing Call of Duty, Madden 17, or something else. Make sure you’re sitting in you gaming chair in front of your Sony 75-Inch Black Ultra HD 4K HDR LED Smart HDTV. That is unless you get the PlayStation VR Bundle. You’ll have to stand for that.
TV

The Not For Us
There’s an almost unlimited amount of items available. Please get whatever you want. We however will probably not get the cordless ear vacuum.

*VISA Rewards Credit Cardholders will earn Double Rewards Points for purchases during Nov. & Dec. 2017. They earn Triple Rewards Points for purchases conducted Nov. 23-27 & Dec. 24, 2017. Rewards Points are not transferable. Membership with Wauna Credit Union is required. This special offer ends Dec. 31, 2017.

 

Statement Insert – April 2017 – HELOC Specials, VISA Cards, Holiday Club, IRAs

2017 March Statement page 12017 March Statement page 2(Side 1)

Improving Homes (and Lives) for 50 Years
Unlock the Power of Equity with a Home Equity Line of Credit
Amazing Rates!
Affordable Terms!
What could a HELOC do for you?
Storm Repairs?
A fresh color?
https://waunafcu.org/loans/current-loan-promotion.shtml

Don’t forget to apply for a Wauna Credit Union VISA
Rewards Credit Card, too!
Enjoy Great Rates!
Plus, get a low introductory rate & bonus rewards points
when you move your high rate balance to a Wauna CU VISA
https://waunafcu.org/loans/credit-cards.shtml

(Side 2)

This is you one day….. And, here you are the next!
Retirement is closer than you think….
Start an IRA today for a better Celebration later!
https://waunafcu.org/accounts/investment.shtml

Important Notice: For Holders of IRAs
Payment from you IRA are subject to federal income tax withholding. You may change your withholding election at any time prior to your receipt of payment. To change your withholding election, completer 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.

Still Paying Off Last Year’s Holiday Fun?
This year, why not start a Holiday Club account at Wauna Credit Union?
Earn a higher interest than a savings account!
The funds drop right into your checking account in October – Just in time for holiday shopping, or property taxes!
https://waunafcu.org/accounts/savings.shtml

Wauna Credit Union
waunafcu.org
800-773-3236

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Statement Insert: January 2017 – WCU turns 50! 1.5% apr on credit cards!



Wauna CU Turns 50!

Over fifty years ago, several enterprising, local coworkers took the important step to apply for a federal charter to form what was then known as the C.Z. Wauna Federal Credit Union (Crown Zellerbach).

Today, Wauna Credit Union has over 23,000 members – and with over $207 Million in Total Assets, has grown to be the 19th largest credit union in Oregon. Perhaps more important, over $158 Million in loans has been lent to members, business owners, and organizations that provide valuable services to our communities.

In recognition of our founders and our amazing history, a year-long celebration is scheduled – and our members will be the guests of honor!
Please watch for exciting news all year via our immediate notification channels including mobile, online, Internet, and social media, and of course, our nearly 100 employees at our nine facilities!

It’s Time for Member-Owners to Vote for Their Volunteer Board of Directors!

As a not-for-profit financial cooperative, the membership elects the volunteer board of directors which guide the strategic direction of Wauna Credit Union. All members 18 or older and in good standing are eligible to cast a ballot. Unlike profit-oriented banks, where maximizing profits for stockholders is most important, a credit union’s board of directors sets policies and ensures decisions are based on the needs of the membership.

We encourage member-owners to be part of the decision-making process for their Wauna Credit Union. Voting begins January 26th by electronic ballot and ends at close of business on February 26, 2017. Election results will be announced during the 50th Annual Meeting, scheduled to begin at 2:00 p.m. Saturday, March 4, 2017, at the Clatskanie Cultural Center in Clatskanie, Oregon.

VOTE!

January 26-February 26, 2017 (Instructions below)

50th Annual Meeting

When: Saturday, March 4th at 2 pm

Where: Clatskanie Cultural Center Clatskanie, Oregon

Voting Instructions:

Cast your ballot from January 26th thru February 26th.

All ballots, including paper ballots returned by mail, must arrive by the February 26 deadline to be counted in the election. Election results will be announced during the 50th Annual Meeting and in Wauna Credit Union publications.

To Vote by Electronic Ballot:

• Go to the Wauna CU website (waunafcu.org).
• Click the link for the 2017 Board of Directors Elections. (To be added)
• Select the Vote Now button and follow the instructions.

To Vote By Mail:

• Call 877-597-9507
• Select the option to vote by paper ballot; follow instructions.
• Your paper ballot must be received by close of business on
February 26, 2017.
Please contact Wauna Credit Union if you have questions or need assistance. Thank you for voting!

Our Privacy Policy Protects Your Information!

Just as you trust Wauna Credit Union to protect your finances, so, too can you feel assured your personal & confidential information is also secure. The Wauna Credit Union Privacy Policy is now available on our website, at any branch, or by phone at 800-773-3236; it details our commitment to ensuring your account and personal privacy.

Read our Privacy Policy.

Wake Up & Save The Money!

1.5% APR* thru January 31st! And those balances remain at 1.5% thru June 27, 2017!

• 1.5% APR* Promotional Rate!
• For all Wauna CU Credit Card Users!
• On New Purchases & Balance Transfers!
• No Balance Transfer Fees!
• Plus, get Double Reward Points when shopping at stores & Triple Reward Points when shopping online!

*APR: Annual Percentage Rate. During the special promotional period, Wauna Credit Union VISA cardholders will receive a Promotional Interest Rate of 1.50% APR for new purchases and balance transfers posted to their account through January 31, 2017. The promotional 1.50% APR will begin on the credit card transaction date(s) during the promotion period, and remain in effect through the June 27, 2017 credit card billing cycle, at which time the cardholder’s regular Credit Card Account Agreement terms will apply. As of November 14, 2016, the Wauna CU VISA credit card APR range was between 9.40% – 18.00%. Some restrictions apply. All business credit cards are excluded. Cardholders may not transfer balances from other accounts issued by Wauna Credit Union, or any amount of debt to their account that would cause their balance to exceed the account credit limit. VISA Rewards cardholders will earn Double Rewards Points for purchases conducted in person, and Triple Rewards Points for purchases conducted online through January 31, 2017. Promotion details available at waunafcu.org. Membership with Wauna Credit Union is required. This special Promotion ends January 31, 2017.

2017 Scholarship Applications Available in February!

Applications for our 2017 Scholarship program are available beginning in early February on our website or at any branch. Deadline to submit a completed application is 6:00 p.m. Friday, April 14th. Recipients will be notified prior to June 30, 2017, and announced soon after.

Try TurboTax, Save Up to $15 & get a chance to win $25,000!

Wauna Credit Union has teamed up with TurboTax® to save you up to $15 on TurboTax federal products, and a chance to win $25,000 in the $25,000 Payday Sweepstakes. TurboTax® translates taxes into simple questions about your life, so you don’t need tax knowledge – or an appointment – to get your taxes done right.
• Get your maximum refund. TurboTax searches over 350 deductions and credits to make sure you get your biggest possible refund, guaranteed.
• Be sure nothing gets missed. TurboTax CompleteCheck™ reviews every detail in your tax return, walks you through any final changes, and gives you the green light to file.
• You’re never alone. Connect with an expert live, on-screen to get answers when you need them with TurboTax SmartLook™.

June 2016 STATEMENT INSERT: EMV Credit Card Upgrade

June16_proof2

Important Announcement For Our VISA Credit Card Users!

New! EMV Chip-Secured VISA Credit Cards Coming Soon!

If you have a VISA Credit Card from Wauna CU, please make note of this important announcement:

Our VISA credit card users will soon be issued a new credit card that offers the added protection of EMV chip-secured technology!

Important:

  • Your new VISA Credit Card will include a NEW card account number.
  • The EZ Card online account system will  be permanently discontinued June 24th.
  • VISA cardholders will access their VISA credit card account using the Wauna CU Online Banking service (beginning  Monday, June 27th).

To learn more about how to use EMV chip-secured technology, and to access VISA accounts using Online Banking, please visit waunafcu.org or contact us during business hours.