JOIN : words from Daniel

What JOIN does:

Last year, more than a quarter of the households that JOIN helped were families with children.  About 6% of the homeless people who are sleeping outside or in their cars are families with children. Families with children make up 36% of the total emergency shelter population, 50% of the transitional housing population, and 80% of the households accessing rent and mortgage assistance in our community.  Clearly, families in our community are struggling to meet basic needs, and find and retain stable housing. This threatens not just the individual health and well-being of the family, but the overall health of our community. Studies indicate that homelessness increases the likelihood that families will separate or dissolve – a traumatic event for families and a costly one for the community.  Even if the family is not separated, the effects of homelessness can be severe. The associated stress that results from economic, social, and psychological dislocations can negatively affect the health and well-being of both parents and children.

Words from Daniel:

“When I’m big I’m gonna be like Superman and be a cop and fight bad guys!” –Daniel

Support JOIN – Feet of Fall Campaign:

GET 1.00% APR OFF ALREADY LOW RATES^

Each Fall, USAgencies partners with Enterprise Car Sales for a stellar deal – it’s that time of year again! Now through October 31st, enjoy 1.00% APR^ off our auto loan rates when you purchase a vehicle through Enterprise Car Sales.

As part of the sale this year, we’re giving back. Here’s how:

^APR = Annual Percentage Rate. 1% off current rate offer is offered to qualified USAgencies Credit Union members by USAgencies Credit Union. Offer valid for terms up to 72 months. Current rate will vary based on credit worthiness and terms. Financing for qualified USAgencies Credit Union members. Offer valid only on Enterprise Car Sales vehicles purchased from 09/14/2015 – 10/31/2015. This offer cannot be combined with any other offer.

JOIN : words from Danny

What JOIN does:

JOIN’s organizational mission is to support the efforts of homeless individuals and families to transition from homelessness to permanent housing. JOIN’s guiding vision is a community where homelessness, if it exists at all, is a short-term circumstance rather than a long-term or chronic condition. Just last year, JOIN helped 560 people end their homeless and find permanent housing in 2014.  Of these households, 102 were families caring for 161 children under the age of 18.  82% of the total households found the support they needed to maintain stability for the long-term.

Words from Danny:

“When you’re homeless, people think that you’re lower- that you’re worth less or that you’re the dredge of society or something. I’m a pretty friendly, talkative guy, so that was hard for me. I felt judged- like people didn’t want to talk to me because they were afraid or something. I wanted to tell them that we’re equal, that you just have more material possessions than I do right now, and that anyone can slip into homelessness.” – Danny

Support JOIN – Feet of Fall Campaign:

GET 1.00% APR OFF ALREADY LOW RATES^

Each Fall, USAgencies partners with Enterprise Car Sales for a stellar deal – it’s that time of year again! Now through October 31st, enjoy 1.00% APR^ off our auto loan rates when you purchase a vehicle through Enterprise Car Sales.

As part of the sale this year, we’re giving back. Here’s how:

^APR = Annual Percentage Rate. 1% off current rate offer is offered to qualified USAgencies Credit Union members by USAgencies Credit Union. Offer valid for terms up to 72 months. Current rate will vary based on credit worthiness and terms. Financing for qualified USAgencies Credit Union members. Offer valid only on Enterprise Car Sales vehicles purchased from 09/14/2015 – 10/31/2015. This offer cannot be combined with any other offer.

Tip of the Week : Don’t Buy a New Car!

Enterprise Car Sales Tip of the Week

If you’re thinking about buying a new car, think again! According to the experts at Kelley Blue Book, in three years a new vehicle could depreciate by as much as 73% of its value. That’s one major advantage to buying a used vehicle.

Our Partnership with Enterprise Car Sales:

When we pick a partner, we only pick the ones who align with our philosophies. Enterprise does just that! They have the interests of members as their priority, each and every day.

Learn more about Enterprise and what you can expect when you shop with this trusted, used car expert.

Feet of Fall Car Sale:

GET 1.00% APR OFF ALREADY LOW RATES^

Each Fall, USAgencies partners with Enterprise Car Sales for a stellar deal – it’s that time of year again! Now through October 31st, enjoy 1.00% APR^ off our auto loan rates when you purchase a vehicle through Enterprise Car Sales.

Learn more about the sale and how we’re giving back to JOIN in the process.

^APR = Annual Percentage Rate. 1% off current rate offer is offered to qualified USAgencies Credit Union members by USAgencies Credit Union. Offer valid for terms up to 72 months. Current rate will vary based on credit worthiness and terms. Financing for qualified USAgencies Credit Union members. Offer valid only on Enterprise Car Sales vehicles purchased from 09/14/2015 – 10/31/2015. This offer cannot be combined with any other offer.

Bring the Credit Union to your Workplace

The benefits of membership at USAgencies run deep and make for a happier employee.

Whether you are a business owner looking for tools to improve your HR offerings, or you’re an employee who thinks you and your co-workers could benefit from some education, connect with us!

What We Offer:
New Employee Orientation: we can be a part of the onboarding process for new hires and even open accounts for them onsite.

Financial Newsletter: we can provide short article for publication in your employee communications with a focus on financial tips, upcoming promotions, and more.

Financial Education: free financial education seminars on a variety of topics such as “Understanding Your Credit Report,” “Social Security,” and many more.

How to Get Started:
Contact Kasey Rockwell, Director of Credit Union Relations at krockwell@usacu.org | (503) 275-0346

New Partnership : Auto Solution

Introducing Auto Solution, a new auto broker partner with 25 years of experience.

 

Who is Auto Solution?

Auto Solution is a vehicle-buying service for our members. They are dedicated to the elimination of any and all hassle in the auto-buying process.
What services do they offer?
  • New & used vehicle purchases
  • CarFax vehicle history service
  • Kelley Blue Book used car pricing
  • Member auto buying seminars, and much more!
How does the process work?
  1. Browse their investors at CUAUTOSOLUTION.COM or call (503) 238-2429. You’ll work with an auto buying expert who will learn about your needs and budget.
  2. Connect with a Lending Specialist at USAgencies to get pre-approved so you’re ready to purchase – (503) 275-0300 option 2 or LOANS@USACU.ORG.
  3. Auto Solution will locate the vehicle you want from its dealer network and call you back, often within just a few hours. They can negotiate the purchase price at or near dealer invoice or wholesale so you save!
  4. You’re new car is delivered right to your home or to USAgencies, whichever is most convenient for you.

5 Steps to Safeguard your Financial Data from Thieves

Most people leave a trail of data nearly everywhere they go.

Some of that data links to critical information, such as bank or credit card accounts. Hackers want access and are constantly deploying new tactics to steal that data from unsuspecting consumers.

You don’t have to make it easy for them. These five simple steps can help you protect your financial information from data thieves.

1 > Use Secured Networks and Websites
The majority of Americans shop online, and data thieves try to exploit that fact. You can help protect your bank and credit card accounts by sticking to secured websites, which typically include “https” in the Web address and display a locked padlock icon near the address. When using a wireless network outside your home or workplace, avoid making financial transactions unless the network is password protected.

2 > Beef Up Your Passwords
Make it harder for hackers to access your data by choosing complex passwords that include a mix of numbers, letters, and symbols. Steer clear of passwords that use personal information, such as your birth date or address, and avoid using the same password across multiple sites or accounts. Tools such as LastPass and PasswordBox will generate a random password for each site, store them securely, and automatically fill them when you log in to a site, so you only need to remember one password.

3 > Protect Your Phone
A stolen smartphone could be as risky to your finances as a stolen wallet, especially if you use mobile apps to manage your finances. So, while you’re strengthening the passwords you use online, consider doing the same on your phone. Some newer handsets are now equipped with fingerprint scanners, which could give you an added level of security if your phone is swiped.

4 > Be Smart at the ATM
Getting cash from an ATM is a fairly routine transaction. Many people insert their card, enter their personal identification number, or PIN, and take their money without giving it much thought. Doing so could put you and your money at risk, though. Before using a cash machine, check your surroundings, and the ATM’s card reader and PIN pad, for anything suspicious or unusual. If something seems amiss, it might be wise to find another machine.

5 > Upgrade to an EMV Card
Many card issuers are upping their security game by adding microprocessors to newly issued cards. Know as EMV chips, the devices create a unique code for each transaction with a given account, making it harder for hackers to steal your data or skim it from a card reader. Even if a hacker does get your account information, it’s virtually impossible to copy your card and its chip. EMV cards also require users to enter a PIN or give their signature to complete the purchase, adding a layer of security. (Note about EMV cards: USAgencies will be making the swith to EMV technology. Details coming soon!)

Despite taking every precaution, it’s possible your data could still be compromised. Use caution when doling out your account information, especially online or over the phone, and keep a close eye on your account and credit card statements. If you spot signs of a breach, alert your financial institution as soon as possible to help stop the fraud in its tracks.

Copyright 2015, NerdWallet

JOIN : helping Angel and her kids

What JOIN does:

In addition to our street outreach- based housing placement efforts, JOIN’s Basic Service center, or what we call the “House,” is open Monday through Friday, 10am to 3pm. The House provides critical basic services to 80-100 people each day, services that both meet people’s immediate needs and spark and support transitions into housing, employment, and greater stability. Together with our housing placement efforts, JOIN strives to meet the needs of hundreds of homeless people each year.

Helping Angel and her Kids:

When sick kids have to “stay home” from school, options are limited for homeless families. “Angel” and her kids were happy to have the JOIN Family Room to relax, shower, and play with Legos.

Support JOIN – Feet of Fall Campaign:

GET 1.00% APR OFF ALREADY LOW RATES^

Each Fall, USAgencies partners with Enterprise Car Sales for a stellar deal – it’s that time of year again! Now through October 31st, enjoy 1.00% APR^ off our auto loan rates when you purchase a vehicle through Enterprise Car Sales.

As part of the sale this year, we’re giving back. Here’s how:

^APR = Annual Percentage Rate. 1% off current rate offer is offered to qualified USAgencies Credit Union members by USAgencies Credit Union. Offer valid for terms up to 72 months. Current rate will vary based on credit worthiness and terms. Financing for qualified USAgencies Credit Union members. Offer valid only on Enterprise Car Sales vehicles purchased from 09/14/2015 – 10/31/2015. This offer cannot be combined with any other offer.