Tag Archives: credit union

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

Planning the Ultimate NW Summer RV Roadtrip? Start Here First.

Looking to “get out there” this summer, and experience Pacific Northwest RV camping at its finest? Not sure how to pack it all in and narrow your list down to the best-of-the best?

Here’s a list of top NW campgrounds to get you started:

If you’re looking for the perfect Pacific Northwest road trip itinerary, these adventurers have some suggestions for things to see and do along your route:

Or maybe you want to hit the open road and keep going? Here are some ideas of where to head beyond the Northwest:

Whether you’re planning a quick weekend RV getaway in the Gorge, or you’re itching to head out on a multi-week journey from Pacific to Atlantic, planning ahead can help you maximize your summer fun.

 


Planning ahead applies to your RV purchase too. It’s a good idea to get pre-approved for a loan for your RV (or ATV, boat, jet ski or other summer toys) before you shop. Getting pre-approved ensures you know what you can afford ahead of time, allows you to stick to a pre-set budget, and ensures you’re getting a rate and payment that works best for you.

Getting pre-approved is quick, easy & smart: apply online, give us a call (503.275.0300), or stop by.

Questions? Contact us.

Fleet Week Fun!

USACU is excited to once again participate in the Portland Rose Festival by hosting a booth at this year’s Fleet Week at Tom McCall Waterfront Park. We’ll have a free photo booth, and we’ll be giving away some fun goodies too!

Stop on by our booth with the family, pose for a pic and say hi! We’d love to see you.

When:
June 9th & 10th
9:30am – 4:30pm

Where:
Tom McCall Waterfront Park
(at the Japanese American Historical Plaza, near the ship tour entrance )

Pics from Fleet Week 2016
More info about Fleet Week

Questions? Contact us.

 

USACU at the 2017 GAC

At the GAC‘Powerful Cause and Positive Effect’ was the theme for this year’s Credit Union National Association (CUNA) Governmental Affairs Conference (GAC). USAgencies very own Kathy Scholes, Vice President/CFO; Kasey Rockwell, Director of CU Relations; and Jeff Griese, Board of Directors 1st Vice-Chair, all attended the conference late February in our nation’s capital, along with over 5,000 credit union professionals and advocates from around the U.S.

Every year credit union proponents descend upon Washington D.C. to connect with peers, glean best practices, trade stories, and gain insights of the political landscape for credit unions and the financial industry. Attendees had the opportunity to hear from great speakers such as the Honorable Colin L. Powell; Kat Cole, Group President of Focus Brands; CUNA President, Jim Nussle; and a lineup of Congressional lawmakers and regulators from the National Credit Union Administration (NCUA).

Scholes, Rockwell and Griese met with Oregon credit union peers to ensure the message was consistent for lawmakers before they climbed the steps of Capitol Hill. They met with Congressman Blumenauer’s (D-OR-3) Deputy Chief of Staff and Counsel, David Skillman. There were about 30 constituents in the meeting, representing nine credit unions from the Portland area. Later in the afternoon Oregon credit unions also met with Senator Ron Wyden and staff from Senator Merkley’s office to share the same message. Some of the information shared with legislators included:

  • Credit unions are not-for-profit cooperatives and are inherently accountable to their members, not to Wall Street stockholders.
  • Members own their cooperative credit unions. This means financial dividends, lower interest rates on loans and higher interest rates on savings are delivered to member-owners as direct benefits.
  • The Northwest Credit Union Association recently commissioned economists at ECONorthwest to perform their second independent analysis on credit unions’ impact in our Northwest economy. They found that Oregon credit unions delivered $159 million in direct financial benefit to their 2 million member-owners. That’s $81 per credit union member and $156 financial benefit per member household, delivered through lower fees and better rates as a result of that cooperative structure.
  • The importance of Common-Sense Regulatory Reform and how one-size-fits-all regulations don’t work for small credit unions.
  • The costs of merchant data breaches and how costs should ultimately be borne by the entity that occurs the breach.

They ended the day with a reception on the Hill with credit unions from Oregon, Washington and Idaho. It was a long, but productive day!

Rockwell summed up her experience at this year’s GAC, “Sharing our credit union stories with elected officials is a great honor. Being in D.C. allows you to feel like you are a part of something bigger than your credit union. You can feel the energy of all of us working together to make a difference. Twenty years ago, was my first GAC and I still have the same excitement and feeling of honor to be a part of the Credit Union Movement. We are doing great things to help improve our member’s financial lives and are staying true to the foundational credit union philosophy of ‘People Helping People’.”

Griese left feeling inspired, saying “My testimony of the credit union movement has grown tremendously and seeing so many hard-working folks gathered together in an effort to improve people’s lives was inspiring and something I will not soon forget!”

Scholes shared her thoughts, saying “Attending the 2017 CUNA Governmental Affairs Conference was an amazing experience! Being one of 5,000 credit union professionals converging on the Capital to meet with elected officials to tell our story and fight for credit union interests was moving. I returned to Portland with a renewed interest to advocate for the credit union movement. Credit unions are good for consumers, our member-owners. We need to work to protect our unique structure and improve awareness to our members and potential members of who and what we are that makes us different from other financial service providers. ‘People Helping People’ by looking out for the financial well-being of our members and communities – what’s not to love!”

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.

FYI: Credit & Debit Card ‘Holds’

Imagine this: You’re on a long road trip, with a tight budget. You’ve carefully calculated out all of your expenses, accounting for gas, hotels, food, plus a few extras. On day two of your trip, after filling up at the pump multiple times throughout the day, you check in to your hotel… or at least, you attempt to. Your card is declined. You know you have enough money to cover everything… so what happened?

Swipe a card at the gas pump, or check into a hotel—or any place where your final total isn’t known—and a merchant might place a pre-authorization ‘hold’ on your account to make sure you have the funds to cover their transaction, or any other costs that might be added to your hotel charge.

Pre-authorization holds are put in place by merchants, and are most commonly seen at gas pumps, hotels, and restaurants. The hold amounts are usually a set standard; be aware that for gas stations this hold amount can vary anywhere between $1-$150. So even if you buy only $20 worth of gas, you could have a hold on your debit or credit card for $150 for up to five days.

When a hold happens, the money is removed from your available balance, but doesn’t actually go anywhere. Although the merchant determines the hold amount, the financial institution determines the length of the hold. Hold times range from 3-5 days (USACU holds for 3). Once the hold time has passed or the charge has cleared, the hold is removed and the remaining funds are made available again in your account.

Here are a couple ways you can typically avoid this type of authorization holds:

Pay inside. When you pay inside at a gas station you are paying for exactly what you got, so there is no need for the merchant to send a temporary authorization hold.

Fill your tank for a preset amount. Instead of filling the tank, just get $30 worth of gas. Since the merchant knows what the final debit will be, they are able to send through that authorization amount.

Ask. Inquire about hotel holds in advance. See if there’s any leeway in the hold amount.

Pay cash. Often gas stations reward you with a discount when you’re paying in cash. Hotels may be a bit more leery, and may require a larger cash deposit, but some are happy if you pre-pay.

 


 

If you find yourself in a sticky situation because of a card hold, contact USAgencies’ card services department (800.452.0915, opt. 4) to discuss your options. We’re here as your advocate, and will always do whatever we can to help.