Category Archives: News

Q&A: Take a Tour of Waterfront Bikes

This May, we’ve partnered with Waterfront Bikes, a local Portland bike shop, to help you ‘gear up’ for National Bike Month. Most PDXers know this local shop, but did you also know they’re family-owned AND family-run? Our Q&A session with shop owner Karen Stiles gives a quick tour of a Portland bike shop that sets itself apart with lots of options and friendly, personalized service (sound familiar?).

How long has Waterfront Bikes been in business?
We have been in business for 16 years.

Can you tell us a little bit about your store?
We are a small, friendly shop located on the downtown waterfront. We service the local community selling new and used bikes and repairing almost every type of bicycle. We are also very busy with folks visiting our city, as we have a complete line of rental bikes. We enjoy talking bikes, and rides, and always enjoy helping people navigate the city by bike. We have recently started doing some exclusive small tours that really focus on the Wine Country.

What are some of the benefits of purchasing a bike with Waterfront Bikes?
We are a local family-owned shop and so we really know our customers. Every bike is built and assembled with care and fitted for comfort. Each new bike purchase comes with 10% off any additional gear. We also include a free yearly tune-up (excluding parts) which adds to the value of your purchase and keeps the bike in good working order.

What do you love about bikes?
I love that bikes allow you to really explore places in ways that are all-encompassing. You can ride many miles in a day, or just take in a few, and learn so much about places. I love that bikes are green and that interconnectedness with the world is enhanced while riding on a physical level too. I love that you move fast enough to get somewhere but slow enough to see and hear new things that you wouldn’t experience in a car.

What’s your favorite local bike ride?
I love the East Side Neighborhood ride. It allows me to explore the neighborhoods at my leisure stopping at fun locations for a cup of tea, bite to eat, or a beer. Its fun to feel the city at a cycling pace and see and hear all the local activities. Riding into parks along the way–sometimes through Laurelhurst Park or up Mt Tabor–is always so relaxing. It’s just a great way to spend the day!

 


Learn more about our bike special this May, plus RSVP for our upcoming FREE Bike Safety Basics Seminarhttps://www.usacu.org/bikemonth

Connect with Waterfront Bikes: http://www.waterfrontbikes.com/

USACU Wins Two National Awards

CUNA Diamond AwardsUSAgencies Credit Union was recently honored with two Diamond Awards, which recognize outstanding marketing and business development achievements in the credit union industry.

The awards were presented by the Credit Union National Association (CUNA) Marketing & Business Development Council, a national network comprised of over 1,200 credit union marketing and business development professionals. Awards are given in each of 30 categories ranging from advertising to community events and beyond.

USAgencies Credit Union won both the ‘Annual Report’ and ‘One-Time Event’ categories for their 2015 Annual Report and 80 Years! Event. Both the report and event proudly celebrated USAgencies’ 80th year in operation, and featured information about the Credit Union’s history and rich community involvement, as well as highlighted the fundamental credit union mission of ‘People Helping People.’

“The credit union industry has no shortage of marketing and business development talent, but, as the name of the prize suggests, these professionals shine the brightest,” said Amber Scott, Chair of the CUNA Marketing & Business Development Council’s Diamond Awards Committee and VP Marketing & Communications at 1st MidAmerica CU. “Bold, inventive and fearless in the face of uncertainty, the 2017 Diamond Award winners inspire us to aim higher and try new approaches.”

Award winners were recognized at the council’s 24th annual conference held March 29-April 1 in San Antonio, Texas. For more information on the Diamond Awards or to view the entire list of winners, go to www.cunacouncils.org/awards.

 


CUNA Marketing & Business Development Council
The CUNA Marketing & Business Development Council is a member-led community of marketing and business development professionals dedicated to providing relevant resources and tools essential for success to its members. For more information, visit www.cunacouncils.org.

Please Make Note…

In order to better serve you, USAgencies will be performing scheduled maintenance on some of our systems from 6pm, May 12, to 8am, May 15, PST. During this scheduled maintenance period, access will be temporarily unavailable for:

  • Mobile Banking
  • Online Banking
  • Remote Deposit
  • Shared Branch
  • MARS
  • Bill Pay (Please note: previously scheduled Bill Pay payments will process normally)

We will be updating our website throughout that weekend to notify you as services come back online.

We appreciate your patience during this maintenance window.

NOTE: VISA Credit Cards will function as they normally would and will not be impacted during the maintenance period.

Join Us: Annual Meeting

Tuesday, May 23rd in Portland, Oregon

Calling all members! It’s time to RSVP for our 81st Annual Meeting.

Join Us As We Celebrate Another Year Of Serving You

Join us on Tuesday, May 23rd, at the World Trade Center, Building 2. We’ll talk about what’s going on at the Credit Union, have some lunch, and give away a couple of great prizes!

Learn more and RSVP by May 16th

We’ll see you there.

Spotlight: A Look Inside Enterprise

If you didn’t already know, USAgencies Credit Union has partnered with Enterprise Car Sales for years in order to bring our members great cars with great pricetags and great warranties! Here’s a quick Q & A with Austin Moothart, Enterprise Dealership Manager, on what it’s like to work for Enterprise, and what he likes most about his job…

Enterprise

What do you do at Enterprise?
I am responsible for creating great buying experiences for our customers.

What makes Enterprise different?
Enterprise is different than any other dealership because our program is set up to put the customer first with our no haggle pricing, a transparent buying process and professional sales consultants who focus on helping the customer find the right vehicle for their needs. It’s not about just selling a car to a customer, it’s about the experience. So many people have negative experiences at dealerships which causes them to not look forward to buying their next car. When customers buy from us, our goal is to create customers for life and create relationships where people are excited to send in their friends and family.

What are some of the added benefits of buying a vehicle at Enterprise?
Great people and service, 109-point vehicle inspection, 7-day repurchase program, free roadside assistance for the first year, 12-month/12,000 mile limited powertrain warranty, and a free Carfax. Plus, we offer Kelley Blue Book Trade-in value on all trades!

We partner with thousands of credit unions across the country who trust us to help their members find the right vehicle when it’s time.

Favorite thing about your job?
Enterprise is a company that respects its employees and working in the Car Sales division has allowed me to work with some amazing professionals who share the same values that I have when it comes to taking great care of people. I really enjoy having a sales team that works really hard every day to do the right thing and exceed the expectations of our customers.

Favorite customer story?
I don’t have just one favorite customer story to share. But I will tell you that my best memories are the ones of customers who come in nervous about buying a car and leave telling us how they will never buy a car anywhere else but here. Having customers smile, laugh and hug us afterwards is the best feeling because we know that they are genuinely happy with the vehicle they picked out. Knowing that my team was part of a customer’s positive buying experience is incredibly rewarding!

 


Know what else is great about Enterprise? Now through April 30th, you can get 1% off your qualifying auto loan rate when you purchase with Enterprise and finance with USAgencies! Terms and conditions apply. Learn more.

 

Protect Yourself: Tax Scams

It’s tax season. Unfortunately, that also means it’s tax scam season too.

It’s important that you’re aware of the various ways scammers may attempt to steal info and money, so that you can better avoid becoming a victim. The more informed you are about tax scams, the better you’ll be at spotting, and stopping, fraudsters.

What do tax scams look like?

  • The scammer usually presents themselves as an employee of the IRS or State in a call/email to the targeted individual, falsely stating they want to “help” with tax filing.
  • Typically, this type of tax scam involves an unsolicited, bogus email regarding a tax refund or bill, or threatening an audit if the bill is not paid right away.
  • Tax scam emails often look very official, and can link to a phony website – in order to appear to be more legit.

How can you protect yourself against tax scams?

If you get an email regarding federal or state taxes:

  • Don’t reply to the message.
  • Don’t give out personal or financial information.
  • Forward the email to phishing@irs.gov and then delete it.
  • Don’t open attachments or click on links, as they may contain malicious code or viruses.
  • For tax scams involving a state’s filing office, check the office’s website to see how they recommend reporting an attempted attack.

If you get a call regarding federal or state taxes:

  • Ask for a contact number and an employee badge number and then call back to verify its legitimacy.
  • Call the IRS or state tax authority to inquire further and verify the accuracy of the call.
  • Contact the Treasury Inspector General for Tax Administration. Use TIGTA’s IRS Impersonation Scam Reporting web page to report the incident.
  • Report the incident to the Federal Trade Commission through the FTC Complaint Assistant on their website (add “IRS Telephone Scam” to the comments section).

In general, it’s a best practice to be extremely critical of ANY emails or phone calls you get from someone claiming to be an employee of the IRS or state tax authority, especially those that demand immediate payment. These governing bodies will NEVER:

  • Initiate contact with you by phone, email, text, or through social media outlets to ask for your personal or financial information.
  • Require that you pay your taxes with a certain payment type, such as a prepaid debit card.
  • Call you and demand immediate payment. The IRS or State will not call about taxes you owe without first mailing you a bill.


For more in depth information on how to detect or report tax scams, visit https://www.irs.gov/uac/tax-scams-consumer-alerts.

For more online security resources from USACU, check out the Security tab on our site.

Indirect Lending: Know Before You Go

Have you ever heard the term “Indirect Lending”? If you’re shopping for a new car or truck, and heading to the dealer, it’s a good idea to understand exactly what indirect lending is, and how it can affect your purchase. Our Lending Supervisor, Callie Gibbs answers a couple of questions about this common dealer lending practice and gives some tips on what you may want to watch out for…

Q. What is Indirect Lending?
A. Indirect lending means that the dealer finds your financing for you. Your general application information is sent to several different credit unions for approval. This can mean several inquiries on your credit report, as well as your personal information in the hands of several institutions. The financial institution that ends up “buying” your loan then pays the dealer for that loan; generally, 2% or more of the loan amount.

Q. How does Indirect Lending differ from lending at USAgencies?
A. At USACU, we already know you. We will decision your loan request based on you, not just the numbers. Our loan officers can give you information about what to look for when shopping, the best rates available to you. We will also advise you on the amount to spend so that you don’t get in over your head and have buyer’s remorse. Your credit union doesn’t feel we should have to buy your loan; we want to earn your loan.

Q. What kinds of things should you watch out for with Indirect Lending?
A. The biggest concern with indirect lending is that the dealer is allowed to add on thousands in products. This can sometimes cause you to finance 130% or more of the value of the car.

Q. What’s better than Indirect Lending?
A. A USACU AutoCheck! With an AutoCheck, you’ll know how much you are approved for before you start shopping, so you won’t overspend, you’ll know the book value of the vehicle you’re looking for so you’ll be sure that you’re getting a good deal, and you’ll avoid sitting in a chair at the dealer for hours dealing with the “dealer finance guy” that your salesperson has to keep checking with. You just make the deal, complete and sign the AutoCheck, and drive off- it’s that easy! Basically, it will save you time and money… and who doesn’t want more of that?



For more Q & A with Callie, you can contact her directly:

Callie Gibbs, Lending Supervisor, USACU

Callie Gibbs
Lending Supervisor
Certified Financial Counselor
cgibbs@usacu.org
(503) 275-0312