Tag Archives: USACU

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. 

 

Letter from the CEO: Retirement Savings

Did you know that nearly half of all American families have no retirement savings? That is not a recipe for retirement happiness.  Saving for retirement is the most important thing you can do to ensure a financial future full of exciting possibilities.  But, it takes effort and a long-term commitment to saving regularly to get you where you want to be.  It’s estimated that you will need a retirement income of 70% or more of your earning income to maintain your current lifestyle throughout your retirement years.  Are you on track?

There are several savings tools available to help you reach your retirement goals. It’s important that you educate yourself on the benefits of each investment tool, to ensure you retire with adequate financial resources.

If your employer offers a 401(k) plan, take full advantage of your employer’s match. Maximizing the match ensures that you get the full benefit of the “free money” your employer contributes towards your plan.

An Individual Retirement Account, or IRA, is another great way to help you reach your retirement goals. You may also consider making a tax-deferred contribution to a traditional IRA, which can be applied to your 2017 tax return (if made before April 17, 2018).

Increase retirement savings amount each year until you are saving 10-15% of your income. Let us know what questions you have about IRA’s, or other savings tools, – we’re here to help you reach your retirement goals.

Jim Lumpkin, President/CEO, USACU
Jim Lumpkin
President/CEO
USAgencies Credit Union

I won $500 with Save to Win!

Congrats to USAgencies’ biggest Save to Win prizewinner yet–Jesse! Jesse took home $500 in a quarterly multi-state drawing this January.

Jesse’s very excited about his win and said this was a “nice surprise” and was thrilled with the “good news.” He mentioned he hadn’t won at the Credit Union level yet but that he hopes to win again soon… maybe with “a couple more zeros added onto that check” next time around.

Save to Win was developed by Commonwealth, the Filene Research Institute and the Michigan Credit Union League (MCUL). The MCUL launched the pilot program in partnership with eight Michigan credit unions in 2009 and has since expanded to include several states. The program is now administered by CU Solutions Group, an affiliate of MCUL.

To date, the program has awarded more than $2.3 million dollars in cash prizes and has helped credit union members save nearly $140 million nationwide.


 

To learn more about Save to Win at USAgencies Credit Union, visit https://www.usacu.org/savetowin.

ENGLISH insurance label

Member Moment : Karen’s Auto Solution Story

Karen.

Going to the car dealership can be stressful. From dealing with the salesperson, to negotiating, and just about everything in between. It is hard, and honestly can be a bit scary. Which is why USAgencies Credit Union partners with Auto Solution, a trusted local auto broker. They are knowledgeable auto consultants who will find the car of your dreams… and you don’t even have to leave the house.

Recently Karen, USAgencies’ member since 1979, used Auto Solution for her first time after talking to her loan officer. Can you guess what she loved most about her experience? You guessed it, not going to the dealership! “My favorite part was not having to go play the game with the sales people. They are just so annoying, and pushy and talk you into things that you don’t really want to do.”

Karen was kept informed every step of the way by Auto Solution, and not only did they get her a great deal on her new car, they also helped her trade in her old vehicle. “I feel that anyone who uses Auto Solution could benefit from their service. Well worth it. Just stay at home, let them negotiate for you, then deliver your new car to your door. Does it get any better than that?!”


Auto Solution is our trusted auto broker with 25 years of industry experience. Between now and Dec 22nd, purchase a vehicle with Auto Solution, and finance with us, and they’ll donate a bike to a local child in need. Learn more.

 

 

It’s Toy Drive Time!

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

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

Introducing… GreenPath

USAgencies is pleased to announce our newest member benefit – GreenPath Financial Wellness.

As a valued member of USAgencies, we are committed to serving you.  And as a benefit to you, we are providing you with free access to money management and financial education services.

USAgencies has teamed up with GreenPath to bring you GreenPath Financial Wellness, a financial education and counseling program.  Through comprehensive education and exceptional service, GreenPath has been assisting individuals for more than 50 years.

As a member of USAgencies, you can receive assistance from GreenPath with:

  • Personal and family budgeting
  • Understanding your personal credit report and how to improve your score
  • Personal money management
  • Debt repayment (fees may apply)
  • Avoiding bankruptcy, foreclosure, and repossession

GreenPath can give personalized answers to your individual needs.  For issues ranging from developing a proactive savings plan to preventing home foreclosure, advice is only a phone call or click away.

To learn more about this new service, simply call 1-877-337-3399 or visit USACU.org/education.

Become a SMART Reader

As you know, USAgencies has partnered with Enterprise Car Sales to help bring awareness to the SMART (Start Making a Reader Today) program with our Smart Savings Car Sale & funds drive. For all those who’ve purchased a vehicle, or donated funds, THANK YOU so much. For those of you who haven’t yet, there’s still time! Our Smart Savings Car Sale & funds drive runs through October 31st.

But perhaps you’re not in the market for a new vehicle, or funds are tight… We wanted to shed light on another way to help SMART (Start Making a Reader Today)– by volunteering! If you can’t give monetarily, you may want to consider giving some of your time by becoming a much-needed volunteer reader.

What: Volunteer one hour a week to read with children in our community!

  • Inspire a love of reading and books.
  • Read one-on-one with PreK – third-graders.
  • SMART students receive books for their home collection.
  • Training and support provided!

Where: An elementary school or Head Start program near you in the Portland Metro Area

When: Programs run during school hours—October 2017 – May 2018.

  • Time commitment varies—minimum one hour a week.

Interested in becoming a volunteer reader with SMART (Start Making a Reader Today)? Apply online at www.getsmartoregon.org/volunteer or call 971-634-1628.