All posts by USAgencies

Mortgage Moment : Waylon Bowers & Family

Members since 2009. Residents of Bend, Oregon. Completed mortgage loan with USAgencies in 2014.

With relocation from North Carolina to Bend, Oregon on the horizon, Waylon reached out to Steven Raymond, our VP of Residential Lending.


“I thought this would be complicated from across the country, but with scanning and sending documents electronically, plus all the closing cost credits Steven secured, it was professional, cost-effective, and very smooth. I plan to use USAgencies for a mortgage again, should I need one.”



6 Tips for Summer Energy Savings

The summer months bring sunshine, warm nights, and backyard fun + higher energy bills. Cut your costs with a few simple changes around your home.

  1. REPLACE YOUR OUTDATED AIR CONDITIONING UNIT. If you live in a home that’s over 20 years old, it may be time to consider purchasing a new, more energy efficient unit.
  2. ALTERNATIVE METHODS OF COOKING. Consider using your microwave or grilling outdoors. If you do need to use your oven, consider baking in the morning hours rather than in the heat of the day.
  3. AUTOMATE YOUR THERMOSTAT. Install a programmable thermostat to keep your home warmer during the day when you’re away at work.
  4. BLOCK OUT THE HOT SUN. During times of the day when the sun is at its hottest, pull your window treatments closed to block out warm rays.
  5. GIVE YOUR AIR CONDITIONING A BREAK. Cool your space down for less money with the use of oscillating room and ceiling fans.
  6. TAKE COOLER, SHORTER SHOWERS. Decrease the duration of showers to save on your hot water usage and consider installing a tankless water heater.

Need help with making some of these energy improvements? Connect with USAgencies for details on our Home Equity LoansLOANS@USACU.ORG | (503) 275-0300 option 2.

Coming Up : Stay Tuned & Plan Ahead

The Spring and Summer seasons are a busy time at USACU.

  • FALL CLUB ACCOUNTS: These accounts pay out in November, so start saving now for the holidays! Connect with Member Services for details: INFO@USACU.ORG or (503) 275-0300.
  • TOY LOANS: Interested in an RV, boat, motorcycle, or other adventuring vehicles? Connect with Lending Services to get started: LOANS@USACU.ORG or (503) 275-0300 option 2.
  • PREPARING FOR FINANCIAL INDEPENDENCE: In May, June, and July we’ll be sharing tips and toolkits to help get your young adult world-ready.
  • FREEDOM HOME EQUITY LOANS: A special limited-time program launching in May to help members become free from debt with flexible terms and low fixed rates.
  • VACATION LOANS: Available June, July, and August – a simple loan to get you out of town and enjoying summer!
  • MEMBER SURVEY: Your chance to give us your feedback; available online in August. Details to follow in upcoming eNewsletters and on our website at USACU.ORG.

2014 Community Impact

Thanks to members, staff, volunteers, and business partners!

Your credit union may be smaller, but our impact is big!
Here’s a visual of the Community Impact USAgencies had in 2014 #givingback

Learn more about the philosophy that informs our giving efforts and submit a giving request.