August Statement Insert – Back to School, Last Days of Summer

August Statement Page 1

Back to School With WCU and VISA
Ready for back to school? A WCU
VISA Rewards Card gives you the
purchasing power, protections, and
features to make back to school fun.

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.

Wauna Credit Union
waunafcu.org
800-773-3236
NMLS# 421867

August Statement Page 2

Summer is For Fun & We Make Fun Affordable!
60 Days No Payments on RVs, Boats, Mortorcycles
Wauna Credit Union offers affordable loans for
RVs, boats, motorcycles, and other vehicles that
help you have fun in the sun!

New/Used Purchases Qualify for 60-Days No
Payments.*

1% Cash Rebate and 60-Days No Payments for
refinances from Elsewhere!

Promotional Terms Available Through August 21!

**Special Promotion Terms: New & used RV-Recreational Vehicle (includes: motor home, trailer, boat, motorcycle, ATV, side-by-sides, watercraft) loans qualify for 60-Days No Payments (interest will continue to accrue during the 60-Day period). Maximum Loan: $50,000. Qualifying loans refinanced from elsewhere to Wauna CU 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). Minimum loan amount to qualify for special terms: $2,000; Maximum Loan: $50,000; maximum rebate allowed is$500 per loan. These special financing terms end at close of business August 31, 2018. Rates & financing are offered based on applicant’s credit worthiness on applicant’s credit worthiness and term of the loan. Membership with Wauna CU required to qualify for this special offer.

Fee Schedule Page 1

Wauna Credit Union Fee Changes
Effective September 1, 2018
Cards
Card payment by phone
$15.00 per transaction
Non-CO-OP ATM withdrawals
$2.50 per withdrawal
Safe Deposit Boxes
3” x 5” Box $35.00 annually
3” x 10” Box
$50.00 annually
5” x 10” Box
$60.00 annually
10” x 10”
$85.00 annually
SDB Late Fee(<30 days)
$20.00per month Services
Account research/Balancing
$45.00 per hour (min 1 hour)
Carfax
$20.00 per item
Dormant Account (12 mo. inactivity)
$10.00 monthly
Legal Process Fee (Garnishment/Levy)
$125.00 per item
Line Of Credit over limit fee
$35.00 per item
Skip-A-Payment
$40.00 per skip
Stop Payment
$30.00 per item
Unclaimed Property Notices
$15.00 per item
Undeliverable Mail Fee
$10.00 per item
Wires
Intl. Wire Research or Tracking
$45.00 per item
Business Accounts
Money Services Business Checking
– Cash Handling Fee >$150k
$35.00 monthly
$15.00 per $25k increment
Line of Credit Renewal
$250.00 per item

Questions? Contact us at
800-773-3236 or waunafcu.org.
Find a full rate sheet at
waunafcu.org or at any branch.

Fee Schedule Page 2

WAUNA CREDIT UNION
MEMBERSHIP & ACCOUNT AGREEMENT
Summary of Changes to Account
Agreement and Disclosures 2018
Revised Aug. 1, 2018
Funds Availability Policy
Section 1- General Policy
Added to end of section: Interactive Teller Machines (ITMs): When
the ITM is staffed, deposits are being made at a staffed facility. When
the ITM is not staffed, deposits are being made at an ATM. The funds
will be made available according to the General Policy.
Membership & Account Agreement
Section 8a. Endorsements
Added to end of paragraph: For mobile deposits, we may refuse
checks lacking a restrictive endorsement, such as “for mobile deposit
only”.
Section 26. Inactive Accounts
Deleted from first sentence: “your account falls below any minimum
balance”. Minimum balance is not needed along with inactivity for
specified period for account to be classified as inactive or dormant.
4th sentence was deleted: You authorize us to transfer funds from
another account of yours to cover any service fees, if applicable. To
the extent allowed by law, we reserve the right to transfer the account
funds to an account payable and to suspend any further account
statements.
Section 29. Termination of membership
Added to end of paragraph: A member who fails to complete
payment of one share within 3 months of admission to membership,
or within 3 months from the increase in the par value of shares or
a member who reduces the share balance below the par value of
one share, either through voluntary withdrawal of funds or through
involuntary assessment of fees and charges, and does not increase the
balance to at least the par value of one share within 3 months of the
reduction will be terminated from membership.
Electronic Funds Transfer
Section 1. EFT Services, b. Debit Card
Added to end of section: 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.

April Statement Insert – Strong Mortgages, Ubiquitous Banking, Youth Month

 

Strong Mortgages From Wauna Credit Union #WaunaStrong First-Time Buyer Second Mortgage Investment Property Bare Land & Construction Loans We have the Mortgage you need! Plus, take advantage of our Spring Special for a Home Equity Line Of Credit (HELOC) Apply, day or night, even on the weekends, by phone or online: 800-773-3236 waunafcu.org

Strong Mortgages
From Wauna Credit Union
First-Time Buyer
Second Mortgage
Investment Property
Bare Land & Construction Loans
We have the Mortgage you need!
Plus, take advantage of ourSpring Special for a
Home Equity Line Of Credit(HELOC)
Apply, day or night, even on the
weekends, by phone or online:
800-773-3236
waunafcu.org

April is Credit Union Youth Month! Open a Youth Account or make a deposit in an existing Jump Start or Youth Account & be entered to win $$ prizes. Plus, cool freebies for kids & teens all month long! Get Ready! For A Better Experience! For Convenience! For the Future now! Ubiquitous Banking coming this May!

April is Credit Union Youth Month!
Open a Youth Account or make a deposit in an existing Jump Start or Youth Account& be entered to win $$ prizes.
Plus, cool freebies for kids & teens all month long!

Ubiquitous Banking coming this May!
Get Ready!
For A Better Experience!
For Convenience!
For the Future now!

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 – 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 – May 2017 – HELOC, Spring Fling, VISA

May Statement

Unlock the power of a HELOC,
and get those projects done!

Low interest rates
easy and affordable terms!
No closing costs!
Help us build our beach house! Get a HELOC and you’ll be entered to win your own beach weekend!
*See website for details!

Spring Fling Auto Sale!
It’s time once again…
May 11-13 at the coast!
Prizes! Get Mom a new car.
Food and Fun!
Lum’s Auto Center
Astoria Ford
Ocean Crest
Warrenton Kia.

Can you believe it? Wauna Credit Union is 50!
Join us for the celebration all year!
Weekly drawings! Giveaways!
Look for the new Wauna Credit Union Stage at St. Helens Oregon Waterfront!

Get a Wauna Credit Union VISA Credit Card
Low rates and fees!
Use it everywhere you go!
EMV Chip for Security!
Verified By VISA online shopping!