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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Learn More About Your Finances

One of the complimentary benefits all our members receive is a comprehensive financial education program through our partner BALANCE. BALANCE offers free lessons and amazing personal budgeting tools to help our members improve their money management skills. It also provides housing counseling, assistance making a debt repayment plan, a credit report review, and a toll-free information line.tablet on top of books

In April BALANCE is offering a webinar on using your home equity. This is a great opportunity for members looking to take advantage of their largest asset to improve their lives.

If you’re interested you can register for either of the two times below.

 

Session 1: Tuesday, April 11, 2017
Time: 10:30 a.m. – 11:30 a.m. (PST)
Register: bit.ly/2jbjlAu

Session 2: Thursday, April 20, 2017
Time: 5:30 p.m. – 6:30 p.m. (PST)
Register: bit.ly/2jbjlAu

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

Find us on your favorite social media site, and stay up-to-date by subscribing to our blog!

What Are The Cocoa Nights Of Winter?

Wauna Credit Union is offering great loans, collectible mugs, and even cocoa to warm you up!

These are the Cocoa Nights of Winter! But, what are “Cocoa Nights”? Much like the Dog Days of summer when the high temperatures seem way more oppressive that they were in June and July, these final nights of winter, though often warmer than the evenings of December and January somehow seem colder. Have you noticed this?Cocoa nights of winter image

In homes all over the Northwest, people keep turning the thermostat up in the evenings, even though it’s actually in the 40s most nights now, and despite the fact that some rhododendrons are already blooming. For some reason, the cold seems so much colder. No one is quite sure why this happens at the end of winter and the end of summer, but it does. Perhaps it is our bodies preparing for the warmer or cooler temperatures ahead, much like our dogs’ shedding?

Maybe it’s our homes? Do you have old, drafty windows? A furnace that needs a repair? Do you need a new roof, or perhaps a new house altogether? Maybe it’s just time for a refi? After all, a better rate or lower monthly payment will help warm anyone up!The cocoa nights of winter mugs

From now until the end of winter (or while supplies last), everyone who gets a new Home Loan, Refinance, or Home Equity Line of Credit (HELOC) from Wauna Credit Union will receive a pair of beautiful, limited edition, 3-color print mugs and cocoa!

Sitting around the fireplace, or in front of the television or computer, with a beautiful mug full of warm chocolatey goodness is guaranteed to make everyone’s night better, and keep us warm until spring officially arrives! Come in today – before all the mugs and cocoa are gone!

Come in to any Wauna CU branch, apply online, or by phone, and take advantage of this offer.

https://waunafcu.org/loans/home.shtml

Get a pair of Limited Edition, 3-color Wauna Credit Union mugs and cocoa with any Home Loan, or home related loan – Now until Spring! While supplies last.

July Statement Insert – HELOCs & RVs – Must be Summer!

July 2016 Statement Insert – look for it in your statement!
2-sidedJULY16insert_Page_2 2-sidedJULY16insert_Page_1

“It’s Go Time” for your DIY Projects!

*Special offer ends July 31, 2016

Home Equity Line Of Credit Special:
• Low Introductory Rate for 6 months!
• No Origination Fees!
• Quick, easy access to your funds!
• Plus, a Wauna CU Project Starter Kit!!

Where Will Summer Take You?

Find your Next Adventure with a new or pre-owned RV, Boat, Motorcycle, or Toy and an Affordable Loan from Wauna CU!

Wauna Credit Union
waunafcu.org  800-773-3236

HELOCS Are Cool, Just Ask Barbara Norman!

Barbara Norman-webWauna Credit Union is offering special terms for HELOCs (Home Equity Line Of Credit) until July 31st! Now is the time to put your home’s equity to work for those fun home improvement projects, or nearly any need one might have. One reason so many people prefer HELOCs to Home Equity Loans is that you use the money you need when you need it. It is rotating and versatile!

Our current promotion offers a 1.99% interest rate for the first 6 months! Plus, since we are a Credit Union, there are NO Loan Origination Fees like many other financial institutions have. And, as an added bonus, we will give the holder of every approved HELOC a DIY project starter kit including a tape measure, torpedo level, & a carpenter’s pencil!

To learn more, we cornered Barbara Norman, an expert from our Wauna CU Mortgage Department, here’s what she had to say about HELOCs.

First, we asked Barbara to name THREE great things about a HELOCs, and she was quick to respond!

  1. Access to emergency funds instantly!
  2. Pay interest only on funds used!
  3. No costs (except appraisal if needed)!

Next, we asked her what a homeowner would need to qualify for a HELOC?

  • Income, equity in the home, & pretty good credit.
  • A month of Paystubs.
  • 2 years W-2s and Federal Tax Returns.
  • Home Owner’s insurance.
  • Current Mortgage Statement on 1st Mortgage, if any, and possible other docs depending on circumstances.

What can homeowners spend the money on? Are there rules or limitations?

Barbara: They can spend it on buying a car, pay off debts, home improvements, cash for vacation, buying additional property, and much more!

What is the benefit of getting a HELOC via Wauna CU?

Barbara: We pay for the title policy, flood certification, recording fees, and tax service, if any.  The member would pay only for appraisal, if it is required.

We thought we’d stump Barbara when we asked this question: What is the ‘Coolest” thing about HELOCs? Because of course, how could a HELOC be cool? But, Barbara didn’t even blink when she responded, why you ask? Because as Barbara has proven HELOCs ARE COOL!

Barbara: I think the coolest thing about a HELOC is having the funds for emergencies; whether your water main breaks, roof leaks, or you have a medical emergency, it takes the worry out of the equation.

Thanks Barbara!

Now, we all know a little more about Home Equity Lines of Credit, and if you would like one, please apply online or stop in any branch to talk to your local Member Service Officer.

Learn More about our HELOC Promotion: https://waunafcu.org/loans/current-loan-promotion.shtml

 

May 2016 Statement Insert: HELOC Special Offer

The following insert was included with all mailed monthly statements in May. Learn more about our Home Equity Loan Promotion here, or apply today by clicking this link.May-16-insert Proof final

Don’t Let Your DIY Project Get Stalled!

Our Special Home Equity Line Of Credit Offers You More Buying Power!!

  • Low, Introductory Rate for 6-Months!
  • No Loan Origination Costs!
  • Flexible Loan-to-Value ratio!

The only thing better than starting your project is finishing it!

Avoid the delays —
We are ready to help you!

  • Apply online, by phone, or visit any branch.
  • 800-773-3236
  • waunafcu.org