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This is the August 2013 newsletter I created for Oregonians Credit Union.

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  1. 1. SCENE August 2013 CU in Oregon Photo Fun Contest We love living in Oregon and we know you do too! That’s why we’re celebrating our wonderful state with the CU in Oregon Photo Contest! Participate by following us on Facebook. We will post pictures from around Oregon and include trivia questions. Be the first to answer correctly, and you will win a pair of CU in Oregon glasses. From there you can submit your own picture wearing our shades for a chance to win an Oregon getaway. Our first round of the contest is over and we’re happy to announce that our first winner is Lauren Z, who won a weekend stay at Seaside. She sent us the photo above with a view of Mt. Washington in the background. For more info and rules please visit our website or our facebook page. FOLLOW ALONG! Oregonians CU Visa Card The Perfect Credit Card ForYou *Rate shown is Annual Percentage Rate. Rate subject to change with 45 day notice. Approval based on credit standing and debt load. Grace period of 25 days on new purchases. DesignYour Own Card costs $9.95 per time Fed up with increased rates, hidden fees, fine print and reduced credit limits on your credit card? At Oregonians CU, we offer a no-nonsense card that’s gimmick free. Use our no-fee balance transfer option as a convenient way to pay off other higher interest credit cards & save money. Apply Online Today! OR DESIGN YOUR OWN! CHOOSE FROM THREE DESIGNS Make your credit card as unique as you are by designing the front of your card the way you want. You’re the artist! No Annual Fee 9.90% APR
  2. 2. Upcoming Seminars: Budgeting Basics Learn about budgeting basics with Certified Credit Union Financial Counselor, Julia Brown. You will learn: Wednesday, August 7th 6:00-7:00pm Gresham Branch RSVP your spot by contacting Julia Brown at 503.239.1125 or • How to create and maintain a budget • The importance of goals • Tips to keep your budget relevant • And much more Wednesday, August 14th 6:00-7:00pm Beaverton Branch Wednesday, August 21st 6:00-7:00pm Milwaukie Branch SAVE THIS SUMMER * APR = ANNUAL PERCENTAGE RATE. Rate determined by certain credit criteria, collateral and term of loan. Higher loan to values and longer terms may increase rate. Vehicles with 75,000 miles or more have a 1.00% higher rate. Minimum amounts apply to qualify for longer terms. We reserve the right to decline a loan request due to credit conditions, collateral value/condition. Visit for complete details. FOR NEW OR USED 1.99% As Low As APR Whether you’re buying a new car or refinancing from another lender, we can help you save $$$ this summer! Apply Online at Oregonians Business Lending: Have Concerns That Are Unique ToYour Company? Having the right tools is important for your business to grow and succeed. At Oregonians CU, our experienced lending staff is ready to help take your business to the next level. Our local decision makers will work directly with you and find the perfect type of loan that best suits your business needs. What we have to offer: • Commercial Real Estate • Small Business Lines of Credit • Business Vehicle • Business Credit Cards • Business Equipment & Machinery Contact Our Business Services Department Today! 503.239.3070 We LoveVisiting and Learning More About our Business Partners
  3. 3. TRUTH SPEAKS REMINDERS HOLIDAY CLOSURES Our branches will be closed in observance of Labor Day Monday, September 2nd STAY ACTIVE! Inactive accounts are charged a $5.00 per month fee after 18 months of non-use. Avoid this fee by depositing at least $25 or utilize another product with us, including a loan orVisa credit card. Get all the answers to your questions with the search option on our website. Just enter your question in the search box. Save yourself a trip to the branch by setting up direct deposit. Our routing number is 323075709. Call Brian Kitchen today! 503.230.1300 1005 SE Washington St. Portland, OR 97214 Auto Buying Resources: Need help finding the perfect car? AAA Oregon AutoSource may be an option for you. AAA Oregon AutoSource is an auto brokerage firm that can often find both used and new automobiles at a better price than you might find through dealerships. Helping Oregonians Credit Union Members For Over 20Years. • Automotive purchase or lease made easy • All makes and models - new and used • Highly competitive pricing • Direct credit union financing (CUDL) • Quality AAA extended warranty plans •Trade-Ins gladly accepted • Price quotes with expert, unbiased info • Quality pre-owned inventory What is CUDL (Credit Union Direct Lending)? If you are buying a new car from a local area auto dealer, there is no simpler way to finance your vehicle than through Credit Union Direct Lending (CUDL). CUDL allows Oregonians CU members to apply for an auto loan and receive our best rate without leaving the dealership. Simply tell the financing person at the dealership that you are an Oregonians CU member and you’d like to finance your auto loan with your credit union.This usually takes just a few minutes and you can do all the paper- work right at the dealership! Visit to access our CUDL website where you will have access to many other auto buying resources: • Complete list of participating dealerships • Search for new and used vehicles • Vehicle Comparisons •Trade-in values • Vehicle History Check and MORE Look for the CUDL logo on our website to learn more! AUGUST TEXT PRIZE Text SUMMER to 55678 for a chance to win $50 gift certificate from one of our business partners.
  4. 4. www.Oregonians- Phone 503.239.5336 800.982.2974 Telephone Banking 503.221.8737 800.833.1216 Home Loans 503.239.1120 800.697.8996 Business Loans 503.239.3070 800.205.9576 Beaverton 11240 SW Allen Boulevard Beaverton, OR 97005 Downtown Portland 1437 SW Broadway Portland, OR 97201 Gresham 247 E Powell Boulevard Gresham, OR 97030 Milwaukie 6915 SE Lake Road Milwaukie, OR 97267 NE Portland 336 NE 20th Avenue Portland, OR 97232 Oregon City 19360 S Molalla Avenue Oregon City, OR 97045 Prineville 110 NE 5th Street Prineville, OR 97754 Branch Hours Monday - Thursday: 9am - 5pm Friday: 9am - 6pm Website Email Facebook Twitter Locations Contact Us Federally Insured By NCUA Do you have an estate plan for your family? Will or trust? Which is best for your family and why? You’re Invited to a Complimentary Seminar: Estate Planning Basics An estate plan is a map of how you want your personal and financial affairs to be handled in the future. An effective estate plan can help ensure that your family's financial needs will be taken care of and that your personal wishes will be carried out in the manner you intended. It's a critical part of your overall financial plan. In this seminar on Estate Planning Basics, you'll learn: • Why you need an estate plan • Strategies to plan for incapacity, including special health care directives • Wills, trusts, and life insurance • Key tax basics, including an overview of the federal gift tax, estate tax, and generation-skipping transfer tax Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA / SIPC , a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May LoseValue, No Financial Institution Guarantee. Not a deposit of any financial institution. *Phillip Hingson is not affiliated with CBSI or its representatives. WHEN & WHERE Thursday, Sept. 12th 6:30pm - 7:30pm Milwaukie Admin Build. 6915 SE Lake Road Milwaukie, OR 97267 RSVP is required Space is limited. To reserve your spot, contact DeLynn Otis at 503.239.3060 or DeLynn Otis Financial Advisor 503.239.3060 Guest Speaker and Estate Attorney Phillip Hingson* will join us and refreshments will be served. You'll also receive a free workbook created just for this presenta- tion.The workbook contains key information, worksheets and questions to help you remember important points from the seminar. RSVP is required to attend the no-cost no-obligation workshop. You are encouraged to bring a guest! FR071309-F914 Federally Insured By NCUA