Tag Archives: Summer Travel

Your Personal RV Buying Guide

Buying an RV is a big decision, though. If your biggest assets are your car and your house, this decision represents a purchase that is somewhere between the two. There’s a lot to know before you set foot on a lot, and the more you research now, the better things will go.

With that in mind, here are three questions to ask yourself before you start shopping for an RV. With these as jumping off points for research, you can make informed decisions about your needs. You’ll also be able to more clearly communicate what you’re after, which will make the sales experience more pleasant for everyone.

1. What class are you in?

Broadly speaking, there are three classes of RV: Class A, Class B and Class C. Class A are the biggest and most comfortable. Built on big rig platforms, these are basically rolling houses. They feature full-sized couches and TVs, full bathrooms, kitchens and expandable bedrooms. Many also include storage underneath the vehicle (called the “basement” by enthusiasts) with enough space to stock supplies for a months-long journey. As one might expect for top-of-the-line vehicles, the price tags are as big as the vehicles, ranging from $60,000 to over a million for custom-built motorhomes.

Class B motorhomes are on the other side of the spectrum. These are built on full-size van platforms. They can include scaled-down versions of the same amenities in Class A motorhomes, but in a more maneuverable, less costly package. Expect to see a small kitchen, a compact bathroom, and enough sleeping space for 2-3 people for several weeks. The price tags on these vehicles run between $50,000 and $100,000.

Class C motorhomes offer a compromise between A and B. These start with cargo van platforms and extend the wheelbase somewhat to about the length of a small bus. Amenities will be more complete than in a Class B, but nowhere near as robust as in a class A. Definitely more vehicle than home, these usually run between $60,000 and $200,000.

There are other options, of course. Camper trailers, pop-ups, and fifth-wheel tow-behind campers can often fill the same needs at lower prices. It’s worth investigating these options, as well.

2. What’s your budget?

Before you make a major purchase, you’ll want to be clear on how much you can afford. Given the significant cost of purchasing an RV, financing periods are typically 10 years or longer. Because RVs depreciate, interest rates are slightly higher than home loan rates, too. It’s not just the monthly payment you need to include in your budget: you’ll also need to factor in for fuel, insurance, registration, and maintenance, even if you don’t go anywhere!

Finally, It’s also worth figuring out what you can budget for a down payment. You may be able to finance 100% of the purchase price of your RV, but putting money down helps protect you against depreciation. That means you’ll be able to get clear of your RV payment if you decide to sell it later on down the road.

3. When should you get financing?

While many dealers will try to work out financing in-house, it’s not a bad idea to go in with a pre-approval. It’ll allow you to negotiate from a position of confidence, and it’ll also prove to the salespeople that you’re serious about buying. Getting pre-approval will also make sure you don’t fall in love with an RV you can’t afford. Nothing can ruin a fun vacation like a big bundle of “How are we going to pay for this?” stress!


If you’re thinking about an RV, the time to talk financing is now. How much RV you can afford should be at the forefront of your selection process. Getting your financing in order will help you figure that out. Getting pre-approved is quick, easy & smart: apply online, give us a call (503.275.0300), or email us at loans@usacu.org.

Questions? Contact us.

Summer Vacation Safety Tips

It’s almost summer! Right now, you probably have beaches on the brain or you’re thinking about that long-planned trip abroad. Before you head out, take steps to help keep your dream vacation from becoming a nightmare:

Do some research — and then carefully read the details on travel offers.

  • Look up travel companies, hotels, rentals and agents with the words “scam,” “review,” or “complaint.”
  • Look for extra costs. Resort fees (also known as destination, facility and amenity fees) can add $50 or more to your nightly cost.
  • Ask about taxes, which may be significant in many locations.
  • Review the cancellation and refund policies before you pay, and keep a copy.
  • If you’re buying travel insurance, be sure the agency is licensed.
  • Bring copies of any confirmation details that show the rate and amenities you were promised. This also helps if the hotel or host says your reservation is “lost.”

Don’t pay for “prize” vacations. No legitimate company will ask you to pay for a prize. Also, look for catches to resort or timeshare offers. They may come with taxes and fees to pay, timeshare presentations to attend, and high-pressure sales pitches to endure.

Don’t sign anything until you know the terms of the deal. Say “no thanks” to anyone who tries to rush you, without giving you time to consider the offer.

Use a credit card, if possible, for your travel spending. This gives you more protection than paying by cash or debit card — and it may be easier to dispute unauthorized charges.

Protect your identity and account information while you’re traveling.

  • Take only the IDs, credit cards and debit cards you need. Make copies so, if someone steals your bag, you’ll know exactly what was lost.
  • Make a copy of your insurance card to take with you.
  • Leave all other important documents safe at home.
  • Learn how to protect your mobile devices and personal information from hackers and malware.

And while we hope it doesn’t happen to you, report identity theft and any other fraud you experience.


Don’t forget to let us know if you are traveling this summer! Connect with us at 503-275-0300 Option 3 so we can ensure your accounts are ready for your travel fun. You can also visit us at 95 SW Taylor St., Portland, OR 97204

5 Travel Tips for Your Summer Vacation

It’s finally here. That magical time of year when the days are hot, the coffee is iced, and the nights are spent dreaming of upcoming vacations and travel adventures far, far away.

We know that dealing with cyber predators and unsafe travel conditions are not on your bucket list, and we also know that dealing with the fallout from identity theft is no fun.

To help keep you safe and informed, here are 5 essential travel tips for wherever your adventures take you :

  1. Make copies of important travel documents.

You should include your travel itinerary, health insurance cards, credit cards and passport. You should then give the copies to someone you trust in case of an emergency. It is also smart to email any important information about your trip to yourself before you leave so it is easily accessible if something gets lost, especially if you are traveling overseas.

  1. Use a credit card that has travel protection

Traveling can come with a lot of uncertainties, which is why it is always important to be prepared. Using a credit card that helps with emergency assistance, car rental insurance and lost luggage can bring you peace of mind while traveling. Our VISA Platinum Credit Card has all those additional benefits and more.  Connect with us before your next trip to get approved!

  1. Don’t use public Wi-Fi to access financial information or make online purchases.

It is very easy for hackers to steal information from public internet servers. Further, you should never leave your laptop or cell phone in a vulnerable position (i.e. at the breakfast table while you run to the bathroom, or beach chair while you take a dip); this might seem like common sense, but it is easy to let your guard down when you are on island time!

  1. Research, Research, Research.

It is important to learn the ins and outs of your destination and so some digging to find out what areas are safe and what areas you should avoid. A good place to start? Read hotel reviews online to see what neighborhoods and destinations other travelers recommend. Remember that if a place seems unsafe or makes you feel uncomfortable, you should leave right away. You can also download the State Department’s Smart Traveler app  and sign up for the State’s Smart Traveler Enrollment Program (STEP), which allows U.S. citizens who are traveling abroad to enroll their trip with the nearest U.S. embassy or consulate.

5. Inform the credit unions of your travel plans

To keep your money safe, we automatically block transactions clearing from countries and merchants that have a high risk of fraud occurring. If you give us a call prior to your travels, we can ensure your cards work while you are away from home, giving you peace of mind.


Thinking about your next adventure? Let us help you cruise off this summer with loans for RVs, Boats, and more. Check out our Great Outdoor promotion happening now through June 30th! Connect with us by calling 503.275.0300 Option 2 to speak with one our loan specialists today. 

 

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 email us at loans@usacu.org.

Questions? Contact us.