March Statement Insert – WaunaCar, Loan Rebate, Scholarship, Annual Meeting

Statement page 1 - full text belowCALLING ALL STUDENTS!
Scholarship applications are due by April 16th!
Don’t miss out on the chance tosnag some help
for higher education!
Application at waunafcu.org.

51st ANNUAL MEETING
Tuesday, March 20, 2018
Business Meeting at 6:30pm
at the newly dedicated Erlene Darby Learning Center
49249 Hwy 30, Westport, Oregon
Doors open at 6 pm / Light refreshments served
Come see our democracy in action!

TurboTax
Wishing You Many Happy Returns
From TurboTax
Members: Get a discount when you use Turbo Tax from waunafcu.org

Need a loan? Apply day or night, even on the weekends
at: 800-773-3236 waunafcu.org

Statement page 2 - full text below

Trade In Your Loan
Get 1%* Cash Back! 60 Days No Payments!
For Auto, Boat & RV loans, or other Unsecured Debt from Elsewhere.
*Special Promotional Terms: Refinance a qualifying loan (Auto, Truck, SUV, Van, RV-motor home, trailer, boat, motorcycle, watercraft; or, Closed-end, Unsecured loan), currently financed elsewhere, and qualify to receive: 1. An immediate Cash Rebate equal to 1% of the approved loan value [Note: the full amount of the promotional cash rebate remitted to member may be forfeit if less than 50% of the total funded loan balance remains in the account 120 days after the loan funding date]; and, 2. 60-Days No Payments (interest will continue to accrue during the 60-day period). Wauna CU will also pay the vehicle title transfer fee up to $100 (member is responsible to pay any additional amount). Minimum loan amount to qualify for special terms: $2,000; Maximum rebate allowed is $500 per loan. These special financing terms end at close of business April 30, 2018. Rates & financing are offered based on applicant’s credit worthiness and term of the loan. Membership with Wauna CU required to qualify for this special offer.

Wauna Car To Love?
Use “WaunaCar” to find your next auto!
Finance with us for cash back & special term!
Learn more at waunafcu.org

NOTICE OF CHANGE
ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE
The following information pertaining to debit cards is added to the Electronic Fund Transfers Agreement and Disclosure that was previously provided to you:Card Information Updates and Authorizations. If you have authorized a merchant to bill charges to your card on a recurring basis, it is your responsibility to notify the merchant in the event your card is replaced, your card information (such as card number and expiration date) changes, or the account associated with your card is closed. However, if your card is replaced or card information changes, you authorize us, without obligation on our part, to provide the updated card information to the merchant in order to permit the merchant to bill recurring charges to the card. You authorize us to apply such recurring charges to the card until you notify us that you have revoked authorization for the charges to your card. Your card is automatically enrolled in an information updating service. Through this service, your updated card information (such as card number and expiration date) may be shared with participating merchants to facilitate continued recurring charges. Updates are not guaranteed before your next payment to a merchant is due. You are responsible for making direct payment until recurring charges resume. To revoke your authorization allowing us to provide updated card information to a merchant, please contact us.Theterms of the Electronic Fund TransfersAgreementand Disclosure (Agreement) are revised as described above.Please keep a copy of this Notice with the Agreement. Except as set forth in this Notice, the Agreement is unaffected and shall continue in full force and effect in accordance with its terms. If there is a conflict between this Notice and the Agreement, the terms of this Notice will prevail.

Statement Insert – September 2017 – Back-to-School, VISA for Vacation, Auto Sale, It’s Not Too Late for a Boat

 

Back To School Counting Down the Days Your Secret is safe with us Wauna Credit Union is ready to help make Back to School as painless as possible! Instant Money Loan Get up to $1000 in 30 minutes! Personal Loan Perfect for tuition and larger purchases! Visa Credit Cards Low Rates & Fees make this a perfect money saving solution! Apply online, over the phone, or visit any branch. NCUA Federally Insured by NCUA 800-773-3236 waunafcu.org NMLS # 421867 Planning an Autumn or Winter Trip Take your Wauna Credit Union VISA Rewards or Platinum Credit Card and save more! VISA for Vacation! On-Site Auto Sale Wauna Credit Union Dealers Market LLC Attention Members! September 14 15 and 16 At Dealers Market 51801 S Columbia River Hwy Scappoose, OR 97056 It's Not Too Late For A Great Rate On A Little Boat!

Back To School
Counting Down the Days?
Your Secret is safe with us.
Wauna Credit Union is ready to help make Back to School as painless as possible!

Instant Money Loan
Get up to $1000 in 30 minutes!

Personal Loan
Perfect for tuition and larger purchases!

Visa Credit Cards
Low Rates & Fees make this a perfect money saving solution!

Apply online, over the phone, or visit any branch.

NCUA Federally Insured by NCUA
800-773-3236
waunafcu.org
NMLS # 421867

Planning an Autumn or Winter Trip?
Take your Wauna Credit Union VISA Rewards or Platinum Credit Card and save more!
VISA for Vacation!
On-Site Auto Sale
Wauna Credit Union
Dealers Market LLC
Attention Members!
September 14, 15 and 16
At Dealers Market
51801 S Columbia River Hwy
Scappoose, OR 97056

It’s Not Too Late For A Great Rate On A Little Boat!

Statement Insert – August 2017 – Back-to-School, VISA for Vacation, Summer of Adventure

Wauna Credit Union August monthly statement

Counting Down? Your Secret is safe with us!
Let Wauna Credit Union help you gather all that school gear without wringing out your wallet! Clothes, supplies, computers, even tuition – We’ve got you covered with a variety of options: Try our Instant Money Loans, Personal Loans, and/or VISA Credit Cards!

Wauna Credit Union: Trusted since 1967
800-773-3236
waunafcu.org
NMLS# 421867
NCUA Federally Insured by NCUA
Wauna Credit Union membership is open to anyone who lives, works, attends or worships in Clatsop, Columbia and western Washington County in OR, or Pacific County in WA.

VISA for Vacation
For the perfect vacation, take a Wauna Credit Union VISA Rewards or Platinum Credit Card Along!
Low interest & few fees make our credit card a must in you wallet!
Apply online 24/7!

Summer of Adventure!
Have Fun Now!
Get that RV, Boat, Motorcycle, or Sport Vehicle today, with a great Wauna CU loan and create your own Summer Adventures!
The most affordable lender in town!

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

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.

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