I won $1,000 with Save to Win!

We’re excited to congratulate USAgencies’ biggest Save to Win prize winner in 2018 – Shauna W., who took home $1,000 in a quarterly national drawing this October.

Shauna, a member of USAgencies Credit Union since 2007, has been participating in Save to Win since June 2018. She is very excited about her win and cannot wait to share this program with her friends and family.

“I have been saving money with USAgencies Credit Union for many years. I like saving with the credit union partly because it’s a small office with great customer service. I am having a lot of fun with the Save To Win CD. I have been saving the maximum $250 every month to get the maximum number of entries in the drawing. I have enjoyed getting contacted by the credit union staff telling me I’ve won a drawing. It’s fun and more lucrative than interest has been lately!”

Save to Win was designed to encourage members, who are not in the habit of savings, to start saving money by making deposits as little as $25 a month for a chance to win cash prizes. On top of this great program, we also provide free financial education tools and resources to help our members achieve strong financial futures.


Visit here to learn more about Save to Win at USAgencies Credit Union.

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It is time for the KGW Great Toy Drive!

Benefiting local kids

USAgencies is excited to once again participate in the KGW Great Toy Drive. For more than 30 years, the KGW Great Toy Drive has provided hundreds of thousands of toys to families in Oregon and Southwest Washington.

We invite our members, friends and neighbors to stop by and donate a toy (or toys!) for local families in need. Donate at USAgencies Credit Union by Dec. 14th and we’ll match your donation, toy for toy!

Here’s how it works:

  1. Buy a new, unwrapped toy.
  2. Drop your toy at USAgencies (95 SW Taylor Street, Portland, OR) by Dec. 14th.
  3. USAgencies will match each donation we collect, toy for toy (up to $500)!

Can’t make it to the branch to donate? Give us a call to donate cash towards a toy. We’ll pick one up for you (and match it!).

Questions: info@usacu.org | (503) 275-0300

4 Tips for Preventing Identity Theft During the Holiday

With the help from our friends at cuinsight.com

Some people love taking what doesn’t belong to them. During the holidays this year, be extra careful to make sure that you’re keeping your finances safe from questionable individuals. Here are four tips for protecting your identity during the holiday season.

1. Keep an eye on your credit report. If checking your credit report isn’t something you do regularly, you should change that. If a thief opens an account in your name, this will be an easy red flag to detect. Although it may be a hassle, there are a few sites that provide free credit reports. Do some research and find the one that best suits your needs.

2. Don’t toss it, shred it. When you take your garbage out each week, make sure you are not throwing away that a fraudster could find valuable. Anything that contains account numbers, banking information, or social security numbers would be highly desirable to a thief. Make sure you anything you are not sure of gets put in a shredder before the trash can. Don’t have a shredder? We provide a secure and free shred bin in the lobby of USAgencies Credit Union for all our members! Bring your shred down during business hours, and we are happy to help you safely dispose of documents.

3.Be cautious online. Cybercriminals can get your information a few ways, one of which is phishing. Phishing is when cybercriminals defraud you of sensitive information by posing as a legitimate company that you trust. Don’t click a link in an email that is asking you for personal information. Anything that looks fishy should be verified with the company first. Also, make sure you are not doing sensitive activities like logging into your credit union account from a coffee shop’s unsecured Wi-Fi. Stay up to date with current Fraud Schemes by visiting our dedicated page on our website, designed to keep our members aware.

4.Update your passwords. Password is not a password. Winter123 isn’t either. It is time to make better passwords. Think of a phrase or question like, “How long would it take me to walk 500 miles?” Then use the initials, symbols, and numbers to create your password. That would look like this :”Hlwittw500m?” No one can guess that one. According to howsecureismypassword.net, it would take a computer 63 Thousand years to crack that password.


Questions? Connect with us at 503.275.0300 option 3 or visit us at www.usacu.org

Credit Unions for Kids

Credit Unions for Kids is a nonprofit collaboration of credit unions from across the country that are engaged in fundraising activities to benefit 170 Children Miracle Network Hospitals across the country. It has been adopted as the credit union movement charity of choice. Since 1996, CU4Kids has raised $170 million for Children’s Miracle Network Hospitals. Just last month, credit unions in the Northwest raised a record breaking $628,226 at the annual Credit Union for Kids auction on Oct.17.

Even better, 100% of every dollar donated by the credit union community goes right back into the CMN Hospital that is being served in our community, which for USAgencies Credit Union is OHSU Doernbecher Children’s Hospital. For more than 30 years, credit unions and their members in the Northwest have raised over $18 million to support thousands of pediatric patients at Doernbecher’s.

Credit unions have a strong partnership with Doernbecher’s, and with our efforts have been able to support such projects like their outpatient clinic, pediatric intensive care unit, and the up and coming OHSU Gary & Christine Rood Family Pavilion; a welcoming home-away-from home OHSU Guest House that is dedicated to serving the 49% of Doernbecher’s patients who travel from long distances to receive care.

With Doernbecher’s being so close to our hearts, we wanted to share them with you, too. Together we can help support the mission to save and improve the lives of as many children as possible. Every dollar makes a difference!


Help us raise money by checking out our current Skip-a-Payment offer where 100% of the proceeds are donated to Credit Union for Kids, benefiting Doernbecher Children’s Hospital. Can’t skip your payment but still want to donate? Connect with us and we can help make that happen.

How the Grinch Steals From the Elderly

From our friends at CUinsight.com

As many plan how to get the best holiday deals, thieves also plotting how to exploit the elderly.

According to the Better Business Bureau, seniors are the most targeted demographic for scams and fraud. They range from money transfer and cash for gift card requests, to being named a sweepstakes winner. Efforts particularly ramp up leading into the holidays.

As we head into the holidays, be on alert for a few of these BBB top senior scams. Please share this article with your parents, grandparents or a vulnerable friend or neighbor.

Free trials: Often these pop-up online with promises of a “free trial” asking consumers to provide credit card information “simply to cover shipping fees.” Unfortunately, that leads to unsuspecting victims being charged for products that are part of a program they “enrolled” in. Trying to cancel is often a nightmare.

Charity scams: With so many natural disasters in 2018, who wouldn’t want to open their wallet to help? Retirees have available savings, big hearts and it can be hard to distinguish legitimate causes. Do your research and ask as many questions as possible. Research sites like give.org to see if a charity site is real. Don’t respond to charity solicitations on the phone until you do your homework.

Fake websites: Make sure the website is secure and legit. Scammers have gotten very sophisticated in creating sites that piggyback off the reputation and name of well-known companies. If it’s the first time you are buying from a particular website, check with BBB before sharing any credit card information.

Family emergency scams:  The scammers claim to be calling on behalf of a family member who has been arrested or in an accident. They play on grandparents’ emotions to ask for money to be sent quickly. Don’t be quick to give any financial information or commitment over the phone. After hanging up, reach out to your loved ones to find out if the emergency actually happened.


We want our members to be aware of fraud schemes are out there. Stay up to date with and how to keep safe by visiting our dedicated Fraud Schemes page on our USAgencies Credit Union web page. Questions? Connect with us at 503-275-0300 Option 3 or visit us at our branch at 95 SW Taylor St., Portland, OR 97204.

International Credit Union Day!

October 18, 2018, will mark the 70th anniversary of International Credit Union Day. This year’s theme is “Find Your Platinum Lining.” It combines the traditional gift of platinum for 70th anniversaries with a play on the saying “every cloud has a silver lining.”

Credit unions all over the world will be celebrating the history and the success of the “People-not-Profit” philosophy. This year’s theme emphasizes the credit union movement’s loyalty to its members and its mission to provide them financial support and guidance.

The movement began in the 1840s as a democratic consumer cooperative by weavers in Rochdale, England. Frustrated by bankers who denied them loans simply because they weren’t wealthy, the weavers and workers decided to pool their incomes and loan money to each other. In time, this cooperation put each member on solid financial ground and encouraged their own businesses to flourish.

The need for equitable financial institutions grew and, in 1971, the World Council of Credit Unions, Inc. (WOCCU) was created to help establish and maintain viable credit union movements. It has become the leading voice for advocacy and governance on behalf of the international credit union community.

Today, over 235 million people are served by credit unions in 109 countries and 6 continents.


Join us at our branch at 95 SW Taylor St., Portland, OR 97204 on Thursday Oct.18 to celebrate International Union Day by enjoying some treats! Questions? Connect with us.

Make a Plan and Save on Your Energy Bills

From our friends at GreenPath Financial Wellness.

October is Financial Planning Month – and there’s nothing better than making a plan to save money. If your utility bills in winter put a crunch on your budget, these tips to reduce energy usage can help.

1. Turn down the thermostat

You can save as much as 10 percent a year on heating and cooling by simply turning your thermostat back seven to 10 degrees for eight hours a day from its normal setting. Those eight hours could be while you are away at work or school, when sunlight is warming your house, or when you’re asleep under a pile of cozy blankets. For every two degrees, you can save an average of three percent on your energy bill. Install a programmable thermostat to automatically turn your heat down so you won’t forget!

2. Seal up your house to keep cold air out, and warm air in

Caulking and weatherstripping help seal your house up, keeping the warm air in. These are affordable DIY ways to improve energy efficiency and can save you about 7.5 percent on your energy bill! About $240 can cover weather stripping all your windows and doors. Check out Energy.gov and YouTube for how-to videos and tips.

Additionally, minimize the air that escapes by closing the damper on your fireplace when it’s not in use, and use bath and kitchen fans sparingly. This can save another 10 percent on your energy bill.

3. Change your furnace filters regularly

Your furnace or heating system is responsible for about half your energy bill. Changing the filters every three months means your furnace doesn’t have to work as hard, saving you energy and money in the long run. A clean filter costs about $20 and can lower energy use by as much as 15 percent according to the U.S. Department of Energy. That means of another 7.5 percent savings on your monthly bills.

4. Get a pro to test your energy efficiency

Many utility companies offer free energy audits, which can help you figure out how much energy your home uses and take steps to increase efficiency. Start by contacting your utility company or find an auditor near you. According to Energy.gov, an energy audit can show you ways to save 5 to 30 percent on your utility bills.

5. Get free heat from the sun

Warm sunshine can heat your home, for free! The more solar heat, the less your furnace has to run. Open curtains on south- and west-facing windows during the day to warm your interior rooms and surfaces. Then close your curtains at night to help keep the heat from escaping. This could help save another one or two percent on your energy bill in colder months.

If you are having trouble keeping up with higher winter utility bills, ask your utility company about a payment plan. Many companies offer a year-round plan that spreads costs out over all 12 months.


Need help staying on track with your budget? As a member of USAgencies Credit Union, you can take advantage of GreenPath Financial Wellness, a free financial education and counseling program. GreenPath can help you understand your situation and make a plan to meet your goals. To use this service, simply call 1-877-337-3399 or visit them on the web at greenpath.usacu.org.

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