Rose Festival Fleet Week

USACU Hosts a Booth, June 5th – 7th

Isn’t it the best time of year in Portland, OR? Our backyard here in downtown is transformed with music, food, and all sorts of events during The Rose Festival.

This year we are jumping aboard and hosting a booth in honor of Fleet Week. We’ll be camped out near the entrance to the ship tours from 10am – 4pm Friday, June 5th – Sunday, June 7th just north of the Burnside Bridge near NW Couch. Stop by our booth for a photo op, free gifts, and just to say “hi.” Then take a tour on one or more of the many ships that will be docked along the waterfront.

Learn more about Fleet Week and we hope to see you there!

#PDXRoseFestival
#FleetWeek

“Loyal to this outfit”

A story from our member, Phil

It’s always a happy day at USAgencies when we get feedback like this. We just had to share this story from Phil, a member who is “loyal to this outfit”…

Way back when Phil opened his membership he allocated some of his VA funds here into a checking account….. and then ignored it, for years. After a handsome sum ($10K+) accumulated, a USACU employee reached out to him to offer some other solutions for earning a better rate. We offered a CD and set it all up for him.

This above and beyond effort, although a simple action that we do all the time for our members, really stuck with Phil. He called in just this week to tell us that he appreciates all we do for him.

“You guys manage the money; I just manage things so they don’t bounce,” he said.

Phil explained that we should be proud of the staff working here. “They’ve been kind and patient with me over the years. It’s with their voice and actions that they make me loyal to this outfit,” and he’s grateful.

Phil, you probably won’t ever read this, as you proclaim to be “off the grid,” but we sure appreciate YOU, your kind words, and your loyalty to this outfit at USAgencies. We’re proud to call you our member, sir.

#CUdifference
#USACUpride

$2,773 for SMART!

Thank you for making this campaign a success!

A HUGE THANK YOU to all the supporters of our ‪#‎DriveIntoReading‬ campaign.

Our grand total, including the match by USAgencies and contributions from Enterprise Car Sales, is a whopping $2,773 for SMART (Start Making A Reader Today)! This equates to a book pack (14 books) for 79 children!

Thank you for investing in Oregon readers – #ReadingMatters!

Claim Your Financial Independence

with a comprehensive toolkit

Whether you have a student headed off on their own this year or you yourself are venturing into the wide world, you’ll find this toolkit includes everything needed to prepare your finances for the changes ahead.

View the toolkit and get started with claiming your financial independence.

Gain Control of Your Money & WIN!

Safety. Security. Peace of Mind. All benefits of taking control of your money.

MoneyMark is a tool that allows you to easily add all of your financial accounts in one place so you can view your total spending, savings, and goals with one secure log in.

MoneyMark gives you the power to take control AND a chance to win!

Entering the contest is easy! Log in to MoneyMark (found right inside Online Banking and the Moblie App) and add at least one account before May 31st, 2015* and you’ll be automatically entered into the drawing to win a Nest product that uses technology to promote your safety and security, just like USAgencies does.

Eight winners will be drawn; you could be one of them!

Prizes:

  • 2 Nest Learning Thermostats – a $249 value each
  • 4 Nest Protect Smoke/Carbon Monoxide Alarms – a $99 value each
  • 2 Dropcam Pro Cam Systems – a $199 value each

Take control of your money today! Visit USACU.ORG/MONEYMARK to learn more!

*NO PURCHASE NECESSARY. Open only to legal residents of the 50 United States (D.C.) and Puerto Rico, 18 years and older. Ends 5/31/2015. For Official Rules, including odds, alternate method of entry, and prize description, read the Official Rules. Void where prohibited.

How to Find the Right Car for You

Shopping for a new car?

Shopping for a new car? With so many options, the choice may seem overwhelming. Here are a couple of questions that can guide you to just the right car for your needs and lifestyle.

Is it affordable?

No matter how much you love a particular car, if paying for it is going to leave you short on cash each month, then you haven’t found your perfect match. Generally, what you shell out for transportation — including car payment, insurance and gas — shouldn’t come to more than 20% of your take-home pay each month after you’ve paid your other bills.

That said, you need to weigh your existing expenses before deciding how much is manageable. Financial institutions such as US Agencies Credit Union can pre-approve you for an auto loan and may reward you for setting up e-statements and automatic payments, for choosing a fuel-efficient model or even just for making your payments on time consistently. You’ll also have the advantage of knowing exactly what you can afford before you shop.

What are your lifestyle considerations?

Once you’ve set your budget, narrow the possibilities by examining your needs:

  • Will you be traveling in winter conditions and benefit from all-wheel drive?
  • Do you commute long distances, making fuel efficiency a priority?
  • Do you often drive passengers and need enough seating for everyone? Would having four doors make life easier? What about room for child seats?
  • How much cargo do you carry, and which vehicle types have enough room for your stuff?
  • Do you love to work on engines, or do you need something with top reliability ratings?

Credit unions like USAgencies often provide other helpful auto services like GAP and MRC coverage, and debt protection. Some credit unions also partner with organizations that provide car-shopping help.

Choosing a car can be a hassle, but knowing the right questions to ask will put you in the driver’s seat on the way to a new ride.

By Roberta Pescow, NerdWallet

7 Tips to Keep in Mind When Buying a Car

Buying a car, especially if it’s your first one, is an exciting experience!

By handing you those keys, the salesman will be opening up a whole new world of opportunity.

But don’t hit the gas too quickly. Before you sign any papers, or even before applying for an auto loan, take a look at these seven car-buying tips.

  1. Set a car-buying budget, which should include how much you can afford on a down payment and for monthly loan installments. Factor in insurance as well.
  2. If you want to finance your vehicle but haven’t established great credit, consider getting a relative to co-sign your application. This can improve the chances of your loan request getting approved.
  3. Consider prearranging that loan before stepping into the dealership. That way, you’ll know exactly what your interest rates are and can select a vehicle that’s appropriately priced.
  4. With your budget in mind, make a list of cars you can afford. Remember: Practicality should trump flair. For additional guidance, take a look at auto buying assistance services like those offered by lenders such as USAgencies Credit Union.
  5. Comparison websites can give you accurate quotes based on a car’s year and model, so you can get a feel for market prices.
  6. If you’re in the market for a used vehicle, take the time to inspect any car that has caught your attention, keeping an especially close eye out for any easy-to-overlook imperfections like scratches and worn tires.
  7. Simply say “no” to unnecessary add-ons your dealer offers you, like rustproofing. Rust problems are pretty much nonexistent among newer cars nowadays, according to Consumer Reports’ Annual Auto Surveys.

These suggestions should put you on the right path toward purchasing a car that’s best for you. With the right game plan, you’ll be on the open road in no time.

By Tony Armstrong, NerdWallet

 

News and Events happening at USACU