Tag Archives: travel

Get More Treats with the VISA Platinum Rewards Card

With so many possible rewards cards on the market, it is hard to determine which one is going to be the best for your financial life.  The choices are endless and we know it is important that you make the right choice. That is why we are here to give you some information about our VISA® Platinum Rewards Credit Card. 

Rewards

Earn a point for every dollar you spend using your VISA® Platinum Rewards Credit Card.  You can redeem your points for travel, product discounts here at USAgencies, as well as merchandise.  You earn while you spend!

Charitable Giving

Being connected and serving our community is a major focus here at USAgencies Credit Union. That is why each year we invest 5% of the net income from our VISA® Platinum Rewards Credit Card.  back into our neighborhoods.

Travel and Emergency Assistance

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 Rewards Credit Card.  has all those additional benefits and more.

Low Interest Rate and Less Fees

Part of the structure of a credit union is that we are not-for-profit, and by standing by those values, we are able to give back to our members with fewer fees and better interest rates. This is no exception when it comes to the VISA® Platinum Rewards Credit Card. . With a competitive low rate, no cash advance fee, a low late fee and more, this card is designed to save you money.


Get a VISA® Platinum Rewards Credit Card with us this July, and your annual fee is on us – FOR LIFE*. Ready to start your application today? Connect with us by calling 503.275.0300 Option 2 to speak with Loan Specialist today. Don’t forget to ask them about our current 

 

Top Boating Spots in Oregon

Brought to you by our friends at getmyboat.com

When it comes to boating in the Pacific Northwest, many people first think of Washington or southeast Alaska. As both of them have extensive inland seas with protected saltwater islands and peninsulas to explore, this makes a lot of sense. However, the state of Oregon also has a number of excellent boating opportunities that are well worth the trip. The state’s climate tends to be a little sunnier and warmer in the summer than its neighbors to the north. One important difference between boating in Washington and Alaska versus Oregon is that the boats are either coastal or freshwater. Another interesting difference is that many of the best lakes here are at altitudes of 5,000 feet and higher, and a few of them are even formed as extinct volcanoes. This can mean a more difficult trip to transport a boat, but it also means more isolated and pristine boating once you arrive. Here is a look at some of the best boating lakes and rivers to discover in Oregon.

Boating the Columbia River

There are many reasons to follow the historic footsteps of Lewis and Clark down this large river that serves as the border between Oregon and Washington. There is beauty and ample opportunity for all kinds of boating here, as freighters, sailboats, ski boats, fishing trawlers, and stand-up paddleboards are frequently seen upon the same stretch of river. There are a few important things to know about the Columbia, however, to boat well:

  • Winds: The winds here can be fierce, particularly in the regions of the river that form a wide gorge beneath the plateaued banks. The view of cut sandstone is beautiful, but this geologic form causes a huge wind tunnel. Sailors should take note that mid-September to late March has prevailing easterlies, which can gust up to 40 milers per hour, and the spring and summer have westerlies which will die for a portion of every day and require motoring.
  • Locks: The Columbia is marked by several dams that require lock passage. The good news with this is that the lock locations are usually great areas to find marinas and other amenities for purchase on a long passage.
  • Current: The wider, lower sections of the Columbia only have a current of 1-2 knots, but regions and rainfall can bring it up to six. The good news about river travel is that there is usually a slack or countercurrent region of the river that can make passage less stressful. It is okay to wander toward the riverbanks looking for an easier route, provided you watch your depth sounders.

Crater Lake

Though boating here is somewhat limited by access, it is known as one of the most beautiful locations on the planet and well worth the trip. Crater Lake is the site of an extinct volcano, and offers views of high mountain peaks reflected in perfect glassy waters. The new baby volcano cone serves as an island in the middle of the water and is great to explore. Crater Lake is open for fishing as well, with proper licensing. If you do not bring a boat with you, rentals of small watercraft like kayaks and canoes are available, as well as chartered boat tours. Just hold on to your stuff, for if you drop something in the nearly 2,000 foot deep water, you are unlikely to get it back.

Snake River/Hells Canyon

Though the Grand Canyon gets all of the press when it comes to size, Hells Canyon has it beat when it comes to depth. The best place to enter is near the Hells Canyon Dam in Oxbow, Oregon. You will find a marina, jet boat tours, and fishing boat charters and rentals here, as well as a boat launch. The water here is not placid, and is home to a number of whitewater and other excursions. The bottom can be unpredictable, so it is always a good idea to speak with a local expert before putting your boat in the water here. If the water tables are too low or high, it may not be the right time for anyone but the most experienced captain. If you have your heart set on boating, however, the shores are full of experienced captains ready to share the beauty of this extreme canyon with you.

Diamond Lake

This stocked fishing lake is near Crater Lake and has a number of resorts along its shores. Though once disparaged because of a high level of trash fish, the lake has been undergoing a lot of restoration and is back to a main population of rainbow trout once again. Five separate boat launches are available along the lakeshore, along with several hundred campsites and three fish cleaning stations. In addition to fishing, campers here enjoy tubing, jet skiing, swimming, waterskiing, and other water sports. This is a favorite location for four-season vacation lake cabins, as Diamond Lake is also very popular for winter and ice sports.

Crescent Lake

Not to be confused with Lake Crescent in Washington’s Olympic National Park, Crescent Lake is located near the towns of Eugene and Bend. It is a great location for canoeing, kayaking, and small watercraft boating and fishing. Several campsites in the Deschutes National Forest section of the lake are available and offer great places to stay, or you can go to one of the private resorts or cabin rentals. If you do not want to trailer your own boat into the mountains to get here, there are several boat rental locations and marinas.

Wallowa Lake

Wallowa Lake is another favorite for camping, small watercraft boating, fishing, and more. It is located near the region of Oregon known as little Switzerland for its architectural style and annual festivals. Those who prefer to camp in comfort will enjoy the large number of cabin rentals available in this area, which are offered year-round for both summer and winter sports.

Mt Hood National Forest Lakes

The lakes here are numerous and small, and known for camping, fishing, hiking, kayaking, canoeing, swimming, and more. They include Lake Trillium, Timothy Lake, Frog Lake, and Clear Lake. As Mount Hood is closer to larger cities like Portland, these lakes get a bit more traffic. However, not everyone who comes here is here for the boating. These lakes are notorious statewide as important mushroom picking habitat, and you will find many people with guidebooks and sacks looking to score lots of edible prizes along the shores. For those who love to forage and fish, this is an excellent location to gather everything you need for a campfire dinner of hand-caught trout and sautéed wild mushrooms.

No matter whether you love the mountain solitude or the busy river traffic, there is excellent boating to be found in Oregon. If you are traveling from out of the region, remember that the Pacific Northwest is very temperate. Always bring adequate layers – though the days may be in the 90s, the evenings can be in the high 40s, and rain is always possible. Your best choices are light, water wicking layers to stay comfortable here. Once you have arrived, it is easy to discover the extraordinary amount of natural  beauty to be seen and loved in Oregon, particularly by boat.


 Let us help you explore all Oregon boating has to offer with a  new boat during 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. 

Going Somewhere this Summer? Use your Cards with Confidence

USAgencies Credit Union is looking out for you in the fight against fraud.

Nearly 60 percent of Americans are taking a vacation trip this summer. Whether you plan a white water rafting trip close to home, or a Caribbean cruise, you can use your credit and debit cards with confidence.

As your financial services partner, USAgencies Credit Union is looking out for you. One of the ways we do that is by offering monitoring systems that help you track your card use. You can easily set up email or text alerts to notify you of transactions, deposits and other activity on your account. Report any suspicious activity to us immediately so we can help to protect you and stop the fraud.

We offer the new EMV chip cards. They provide you with an extra layer of security because every time you buy something, the chip card creates a unique transaction code that cannot be used again. There are some things you should be aware of when it comes to EMV cards. For example, if the merchant doesn’t have a chip reader then you have to swipe the card. If you are buying something online, of course, there is no chip reader. That’s why we recommend that you monitor your card activity and alerts.

When you travel, remember the convenience of the CO-OP ATM Network which gives you access to thousands of ATMs where you won’t pay a fee.

Unfortunately, thieves can place “skimming” devices on ATMs to steal your card and PIN numbers, so they can make fake cards and steal your money. Look for anything unusual near the speakers and beside the screen. Pull or twist on the device where you insert your card to make sure it’s secure. If it is loose, there may be a skimming device inside. If you find a  skimming device has been attached, don’t use the ATM – call police immediately.

When you’re entering your PIN number, use your other hand to shield the number from anyone who may be watching. Know that your PIN can be stolen in other ways too. There is a heat signature left on non-metal keypads for several minutes after you use it. Infrared cameras installed on Smartphones can be used to measure this heat signature and obtain your PIN. Stop this fraud by resting your fingers on other keys while typing in your PIN.

One of the things we do to prevent fraud is to keep our eyes open for any unusual use of your cards. For example, if you normally only use it locally and all of a sudden charges occur at a European resort, that could indicate suspicious activity. For your protection in that case, we might block further transactions from your card and try to contact you. You can avoid that inconvenience by letting us know when and where you’ll be traveling.

Take your receipts with you—never leave them at the counter or in your shopping bag. They might contain information helpful to thieves.

In case you do have to report fraud or suspicious activity, make a list of cards and account numbers, but keep it in a secure place instead of in your wallet. This list will help to stop fraud as quickly as possible.

If you fear you may have lost your card, but you’re not sure, contact us as soon as possible. We have the ability to put a “soft block” on your card while you look. This ensures that no one could find your card and use it while you look. If you did indeed lose the card, let us know and we’ll block it and issue you a new card number.*

If you suspect your card has been stolen, we are here to help. If you report suspicious activity to us we will stop further use of the impacted card, replace it and issue a new card number at no cost to you.

Don’t get burned this summer; Take these small easy steps to protect yourself from fraudsters… and don’t forget that sunscreen!

 

*There is a fee associated with lost cards.