Tag Archives: USACU

Letter from the CEO: Enhancements coming your way

At USAgencies we are constantly looking for ways to improve our financial cooperative in order to better live out our mission to provide solutions to improve each member’s financial life. We find ourselves in a time where people are busier than ever, so as your credit union, we have come up with some great solutions to make it as easy as possible for you to connect with us.

In February, we are excited to have rolled out an improved secure messaging system within our online and mobile banking. This updated platform allows us to securely and safely communicate with any member, no matter the need. We can safely pass information and provide prompt service to you. In addition, you can quickly locate frequently asked questions in our updated knowledge base.

The second communication enhancement is our text solution. We will soon have the capability to serve our members via text messaging. This is a great solution if you are out and about or too busy to hop on a phone call, you will be able to text us during business hours to get your banking needs taken care of, from balance transfers to finalizing an application, convenience is just a few text messages away.

The last solution I want to mention is our free Credit Score service within online and mobile banking. You now can monitor the all-important credit score, which is more critical to your finances than ever! Having a strong score not only helps you get better interest rates on loans, but also helps you get discounted insurance rates as well as get approved to rent an apartment. If you ever have questions on how to improve your score, connect with us and we would be more than happy to walk you through steps to improve your score.

Thank you for choosing USAgencies Credit Union for your financial needs, and we look forward to hearing from you!

Justin Olson, President/CEO, USACU
Justin Olson
President/CEO
USAgencies Credit Union

7 Wonders of Oregon – USAgencies version

Did you know March 8 is National Oregon Day? Oregon, also known as The Beaver State, became the 33rd state to join the union on February 14, 1859. Oregon is known for its diverse landscape of mixed forests, volcanoes, mountains, beaches and more!

To celebrate our beautiful state in the Pacific Northwest, our team would love to share some of their favorite places (and photos) with you!

Wreck of the Peter Iredale

Peter Iredale Ft Steven
Photo by Cindy, Director of Member Services at USAgencies

A landmark on the North Oregon Coast, Peter Iredale Shipwreck, located within Fort Stevens State Park, the wreckage is considered one of the most accessible and long-lasting in the world.¹

The remains of the sailing ship became one of the popular attractions on the Oregon Coast. Just a few miles south of Astoria, you will see this impressive view of the wreck, including the rusted bow of the ship, which occurred more than a century ago.

Seaside Oregon

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Photo by Callie, Lending Supervisor at USAgencies

Seaside has been one of Oregon’s most visited resort cities located about 80 miles northwest of Portland. The city bursts with shops, great restaurants and tons of outdoor activities; you will never get bored exploring the town, from hiking to kayaking to Jazz Festival — this oceanfront resort has a lot to offer.

Lost Lake

Mt Hood from Lost Lake Viewpoint_edited_sm
Photo by Kathy, Vice President/CFO at USAgencies

Located in Mount Hood National Forest, which is about 10 miles northwest of Hood River County, it is known for its breathtaking view of Mount Hood. Lost Lake is also a popular campground with 125 primitive campsites, the facility is open between May through October with peak season from July to August. One of the many attractions at Lost Lake Campground is the old growth boardwalk, which is a short hike that takes you through the giant cedars and hemlocks.

Timothy Lake

Timothy Lake Hike
Photo by USAgencies hiking group

Timothy Lake is about 50 miles southeast of Portland. It has seven campgrounds which provides about 200 campsites and a few picnic areas along the lake. The hiking trail around the lake is about 13 miles which is perfect for a day hike. This 1,500-acre lake is very popular for visitors as it has a lot of recreational activities to offer — camping, hiking, paddling, horseback riding and more!

Painted Hills

Painted Hills panorama view
Photo by Andrew, Director of IT at USAgencies

Painted Hills is one of the three units of the John Day Fossil Beds National Monument, located 9 miles northwest of Mitchell, Oregon. The painted hills got its name after the colorful layers of its hills which correlating to different geological eras. The colors may appear to change from one visit to another, as the claystones differ with ever-changing light and moisture levels.²

Laurelhurst Park

Firwood Lake
Photo by Courtney, Support Services at USAgencies

Laurelhurst Park is a city park located in the Laurelhurst neighborhood in Portland, Oregon. The park was named the most beautiful park on the West Coast by Pacific Coast Parks Association in 1919. In 2001, Laurelhurst park was the first city park ever listed on the National Register of Historic Places.

The 26-acre park includes a basketball court, picnic site, playground, soccer field, tennis court, volleyball court, and dog off-leash area.

Crater Lake

Crater Lake
Photo by Yuki, Marketing Specialist at USAgencies

Crater Lake was formed from a violent eruption triggered the collapse of the volcano Mount Mazama about 7,700 years ago. Its deep blue color water and the many recreational activities it has to offer made Crater Lake one of Oregon’s most popular tourist attractions.

Visitors will find endless recreational activities all year round, including fishing, skiing, hiking, camping and more!


Spring is right around the corner, now it’s a great time to plan your trips to explore the great outdoors of Oregon!

Resources:

  1. Peter Iredale Shipwreck
  2. Painted Hills, Oregon

Help! I Overspent On Christmas!

It’s so easy to go overboard on Christmas. If you have kids, you want everything to be perfect for them. You want to build priceless memories, so spending any amount seems worth it. Giving extravagant gifts to your family members seems like a great idea … until you’re staring at a huge credit card bill in January.

However it happened, it’s important to approach this problem rationally. Constantly blaming yourself won’t fix the problem. The important part now is to right yourself financially. You can’t take back gifts and return them at this point. You have to deal with the situation that’s in front of you.

Fortunately, you’re not alone. USAgencies Credit Union is here to help. Check out these four ways you can patch up your finances and have things right before summer.

1. Budgeting advice
It can be very tempting to make only the minimum payments on the credit card you used to buy Christmas. Unfortunately, it’s also the best way to ensure you’re in debt for all the Christmases from here on out.

Making minimum payments on credit cards prolongs the length of time you’re in debt. It also makes the total amount you pay for your debt skyrocket. Making just the minimum payment adds an extra $175 to a $10,000 balance at 21% APR.

What you need is an aggressive debt repayment plan. The question you should be asking yourself isn’t, “What’s the least I can pay on this debt?” Instead, identify the most you can afford to pay.

Making an extreme budget is usually not a good choice, but in this case, it’s essential until you get yourself out from under that holiday-fueled debt. Make some sacrifices and get ready to tighten your belt for a little while. Yeah, coming up with an extra $35 or $50 a month is tough, but it’s the easiest way to get things moving.

2. Refinancing major purchases
If you went overboard on one or two major purchases, like a car for a teen, it may not be credit card debt you need help overcoming. Slick dealers offer crazy-sounding incentives like zero down and 0% financing on cars to entice people to give cars for Christmas. Unfortunately, once you’ve signed on the dotted line, you may see you’re in for more than you can handle with a car payment.

USAgencies Credit Union can help. Our auto and other major purchase loans often feature rates that are better than those of dealerships. You may need to finance over a longer term to manage the monthly expenses, or you may just need to restructure to pay less now. Either way, you’ll find more favorable and flexible terms with us than you will at the dealer.

3. Financial counseling
Does reading those credit card statements fill you with a dizzying sense of despair? USAgencies Credit Union can help you make sense of them.

Make an appointment to speak with our Certified Financial Counselor. You’ll gain a better understanding of your rights and responsibilities. You can also come up with a realistic plan to pay off your debt and avoid falling into the same trap next year.

4. Personal loans
Instead of making dozens of minimum payments, wouldn’t it be nice to focus your debt into one manageable plan? A debt consolidation loan can do just that. Best of all, it can save you money in the long run by lowering your interest rate and monthly payment commitment. Rather than paying a credit card APR, you can get the lower fixed rate on a personal loan. Our loan specialists can help you organize and simplify your payments, working toward a debt-free life.


Is it time to buckle down your post-holiday debt and give your budget a breath of fresh air? Our Debt Consolidation loan offers you that chance. Connect with our Loan Specialist today at 503-275-0300 Option 2 to get started.

Make the Season Bright – Great Toy Drive

Benefiting local kids

This is an exciting holiday season here at USAgencies — we are back once again partnering with KGW for the Great Toy Drive. For more than 35 years, KGW has been collecting toys for families in Oregon and SW Washington with the help of over 130 local nonprofit organizations and hundreds of dedicated volunteers.

USAgencies is proud to be one of the drop-off locations. We invite our members, friends and family to stop by and donate a toy to local families in need.

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. 13th.
  3. USAgencies will match each donation we collect, toy for toy (up to $500)!

Don’t live nearby? No problem! Give us a call to donate cash towards a toy. We’ll pick one up on your behalf (and match it!).

Thank you for helping to make the holiday season special for local families.

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