NEW! 24/7 Lending Center: ANYTIME Pre-Approvals

NEW! 24/7 Loan Approvals*

Because we know it’s not always convenient to apply for a loan when we’re in the office, USAgencies Credit Union now offers loan approvals anytime via our 24-hour Lending Center!

Connect 24/7 by calling 503.275.0300 (opt. 2) or toll-free at 800.452.0915 (opt. 2) for loan approvals that are quick, easy and convenient.


*24-hour approvals available for consumer loans only. Approvals not guaranteed and subject to credit review.

 

Smart Savings Car Sale

Smart Savings on Already Low Rates

Now through October 31st, purchase a vehicle with Enterprise Car Sales and finance with USAgencies Credit Union, and get 1.00% APR* off your qualifying rate!

PLUS–finance an Enterprise vehicle with us during our sale and we’ll donate 2 Book Packs to SMART (Start Making a Reader Today). That’s enough books for two children to complete one year in their program!

Want to do more even more for SMART?

We’re also holding a matching funds drive–Make a donation to our fundraiser and we’ll match it, up to $1,000!** Donate onlinein-person, or over the phone.

To learn more about this sale and other ways to give to SMART, visit USACU.ORG/CARSALE.

*APR = Annual Percentage Rate. 1.00% discounted rate is offered to qualified USAgencies Credit Union members by USAgencies Credit Union. Eligible members will receive 1.00% off qualifying rate, to as low as 1.24 % APR (including eStatement enrollment discount, SmartWay vehicle discount and Direct Deposit discount). 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 only. Offer valid only on Enterprise Car Sales vehicles purchased from 9/15/17 – 10/31/17. This offer cannot be combined with any other offer. The “e” logo, Enterprise and “Haggle-free buying. Worry-free ownership.” are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners. © 2014 Enterprise Car Sales. F00308 EW DI 8/14 DB.

**$1,000 matching cap includes Book Pack donations as well.

Letter from the CEO: Check Scams

Great news! You just received a letter stating that you won a cash prize- and the check to cover the taxes for the prize is included. Now all you need to do is deposit the check and wire the extra funds back to the sender. When they get the payment, you get the full cash prize.

Sounds too good to be true, right?
That’s because it is.

This is an example of a fake check scam. And, unfortunately, the Federal Trade Commission (FTC) reports that these types of scams are on the rise. If you were to deposit the check and wire the money, you could potentially be out hundreds of dollars–or more. Typically, the money you wired can’t be retrieved, leaving you responsible for reimbursing the funds.

Counterfeit or fake checks are being used in a growing number of schemes. My son was recently targeted in a rather creative way when he answered an online employment ad. He Skyped with someone who said they were an artist and needed an assistant. My son said he researched the person online and he appeared to be legitimate. The “artist” (con artist, maybe?) sent him a cashier’s check for $2,490 to purchase a computer/scanner/etc. and said he’d be in contact. When my son told the “artist” he was going to wait until the check cleared, he was never contacted by him again… and the check bounced two weeks later. If he’d followed through with the scammer’s instructions, he could have been liable for almost $2,500!

Although our staff are always on the lookout for fraudulent checks or unusual activity, they can’t always determine when a check isn’t legitimate. When you deposit a check, we are required by federal law to make the money available long before we can be certain the check is valid. Best advice: if you get a check from an unknown or questionable source, don’t use the funds for at least two weeks.

Here are some other steps the FTC suggests you take to avoid counterfeit check scams:

  • Throw away any offer that asks you to pay for a prize or a gift. If it’s free or a gift, you shouldn’t have to pay for it. Free is free.
  • Resist the urge to enter foreign lotteries. It’s illegal to play a foreign lottery through the mail or the telephone, and most foreign lottery solicitations are phony.
  • Know who you’re dealing with, and never wire money to strangers.
  • If you’re selling something, don’t accept a check for more than the selling price, no matter how tempting the offer or how convincing the story. Ask the buyer to write the check for the correct amount. If the buyer refuses to send the correct amount, return the check. Don’t send the merchandise.
  • As a seller, you can suggest an alternative way for the buyer to pay, like an escrow service or online payment service. There may be a charge for an escrow service. If the buyer insists on using a particular escrow or online payment service you’ve never heard of, check it out. Visit its website, and read its terms of agreement and privacy policy. Call the customer service line. If there isn’t one — or if you call and can’t get answers about the service’s reliability — don’t use the service.
  • If you accept payment by check, ask for a check drawn on a local bank, or a bank with a local branch. That way, you can make a personal visit to make sure the check is valid. If that’s not possible, call the bank where the check was purchased, and ask if it is valid. Get the bank’s phone number from directory assistance or an Internet site that you know and trust, not from the check or from the person who gave you the check.
  • If the buyer insists that you wire back funds, end the transaction immediately. Legitimate buyers don’t pressure you to send money by wire transfer services. In addition, you have little recourse if there’s a problem with a wire transaction.
  • Resist any pressure to “act now.” If the buyer’s offer is good now, it should be good after the check clears.

If you think you or someone you know was the victim of a fake check scam, please consider taking the following steps:

  • Contact your financial institution.
  • Contact your local law enforcement.
  • Contact your state’s attorney general.
  • Contact the Federal Trade Commission to file a complaint.
  • If you or the victim is an older adult or a person with a disability, contact your local adult protective services agency – you may find local resources via the Eldercare Locator or by calling 1-800-677-1116.

Jim Lumpkin, President/CEO, USACU
Jim Lumpkin
President/CEO
USAgencies Credit Union

Special Solar Eclipse Hours at USACU

Perhaps you’ve heard a thing or two about a total solar eclipse scheduled to make landfall in Oregon on August 21st, 2017? We thought so. It’s big news!

Here’s what nationaleclipse.com has to say about this historic event:

On August 21, 2017, America will be treated to its first coast-to-coast total solar eclipse in nearly 100 years. It will also be the first total eclipse exclusive to the U.S. since before the nation’s founding in 1776. From Oregon to South Carolina, the eclipse will trace a 67-mile-wide path of totality across the country and millions of Americans will witness a once-in-a-lifetime event as the Moon passes between the Earth and the Sun and day turns to night for up to almost three minutes.

To celebrate this event, and to allow our staff to view this once-in-a-lifetime phenomenon, USAgencies will be closed from 10-11am PST on August 21st. We’ll be back promptly at 11am to help with all of your account needs, and to tell you all about the eclipse experience!

Of course you can access your accounts anytime via Online or Mobile Banking too. Have questions about getting these set up? Connect with us.

More on the eclipse:

 

BBQ Bash: Thanks for Stopping By!

Yesterday was the perfect day to celebrate our BBQ Bash. The weather was great, some of our favorite partners were on hand to meet current and future members, and… it just so happened to be National Hot Dog Day!

Thanks to everyone who came out to grab a dog, cool down with a shave ice, meet some of our partners, and learn more about your favorite Credit Union. We loved meeting some of our neighbors, mingling with current members, and spending the afternoon in perfect Oregon summer weather (which really can’t be beat). Take a look!

We even had one of our Save to Win winners stop by to snap a pic and say hi–congrats again, Anna!

Save to Win

 

BBQ Bash: July 19

We’re having a BBQ, and you’re invited!

Join us July 19th @ SW 1st & Yamhill between 11am and 2 pm for…

  • Free hot dogs & shave ice (while supplies last)
  • A chance to meet some of our partners (including Auto Solution & more)
  • Free eBike test drives (courtesy of Pedego Portland)
  • Free trade-in vehicle evals (courtesy of Enterprise Car Sales)
  • Raffles, goodie bags, and more!

Not a member? Not a problem. All are welcome!

Already a member? Great! Bring your friends, family or co-workers and spread the word about how great USACU membership really is!

Event info: https://www.facebook.com/events/452313701808925

News and Events happening at USACU