Tag Archives: usagencies credit union

Member Moment: Janie’s Story

Here at USAgencies Credit Union, we uphold the Credit Union philosophy of “People Helping People”. We constantly look for ways we can make a positive difference in our members’ lives and in our community. USAgencies serves many members who are or have been active in the United States Military and we try our best to provide them with as easy a banking experience as possible with all of the traveling they do. So, when we hear stories like this one from Janie, we can’t resist holding our heads up a little higher!

Tell us a little bit about yourself.
I am a U.S. Navy Veteran and a federal employee, with 28 years, I joined USAgencies in early 2003 when I was working in the Portland area. I have since moved several times to several different states because of my job. It is 2019 now, I have never once thought about switching. USAgencies is like part of my family, they treat me like family, countless times when I call I am recognized just by my voice. Everyone’s Professionalism is beyond outstanding, in every department. I always hear a friendly voice, when they ask how are you doing, it is genuine, they really want to know how you are doing and how they can help.

What is your favorite USAgencies’ moment as a member?
Over the years, I have purchased several vehicles (bad habit of mine 😊) and each and every time, they made it happen for me. Even when I would first get financed through the dealership at a higher interest rate, they always worked so hard to ensure they could provide the loan at a much lower interest rate; saving me so much money and more importantly to me piece of mind!!!

Their security measures are outstanding, you can always rely on them to be there protecting you and your finances even if you don’t realize it.

What do you value the most about USAgencies?
If I had to pick one of the many things I love about USAgencies, it is for sure the staff there! They are hands down better than any company or agencies I have ever experienced, remember I am a federal employee and I work with many agencies, federal and state. I only lived in Portland for a couple of years, but I feel like I know the staff just as if I visited in person and they always make me feel as if they have known me for years. That says a lot about their passion, knowledge, professionalism and being genuine.

Thank you for the amazing job you all do! It is greatly appreciated!


Thank you for all you do for our country Janie!

Want to share your USAgencies moment? Submit your story to social@usacu.org or via telephone at 503-275-0300. We’d love to hear from you!

All You Need To Know About Certificates of Deposit

As an institution devoted to your financial wellness, USAgencies Credit Union offers several secure options for your savings. One of our most popular savings products is our certificates of deposit, commonly referred as CDs. You’ll be giving your money a great chance at growth without subjecting it to the risks of investing in the stock market.

Let’s take a closer look at how certificates work and why they might be the perfect choice for you.

What is a certificate?

A certificate is an insured savings account with a fixed dividend rate and a fixed maturity date. Rates tend to be higher than those of savings accounts. Also, unlike a savings account, your money will be less accessible when in a certificate. That means you will not be able to withdraw your funds before the maturity date without paying a penalty.

Terms and conditions of certificates

There are some nominal requirements that must be met before you can open a certificate.

First, you’ll need a minimum deposit amount. This amount will vary widely from one financial institution to the next. In general, the more money you park in a certificate, the higher rate of interest it will earn. At USAgencies Credit Union, you can open a certificate with as little as $500.

Second, you’ll need to commit to a term length. Here at USAgencies Credit Union, we offer our members certificates that can be open for just 6 months or as long as 3 years. Our interest rates start at 0.95% APY* for short-term certificates and go up to 1.56% APY* for our long-term certificates. To learn more about our terms and rates, connect with a Member Relationship Specialist today.

Is a certificate for everyone?

It’s important to note that your money will be tied up in the certificate, and you will not be able to access it without paying a penalty. A certificate works best for people who have a robust emergency fund and do not anticipate needing to access the funds in their certificate until its maturity date.

Why keep your money in a certificate?

Here are some of the most popular reasons people choose to open a certificate:

  1. No risk. While nearly every investment carries some sort of risk, your money is always safe in a certificate. Each USAgencies Credit Union certificate is federally insured by the by NCUA up to $250,000.
  2. Higher dividend rates. Certificates offer higher yields than most savings accounts.
  3. Locked-in rates. There’s no stressing over fluctuating national rates with a certificate. The APY is set when you open the account and is locked in until its maturity date.

If a certificate sounds like the perfect choice for you, connect with a Member Relationship Specialist today to find the one that fits your needs best by calling 503-275-0300 or email info@usacu.org. We’re committed to giving your money its best chance at growth.

*APY = Annual Percentage Yield. Rates are subject to change without notice.

Member Moment: Brandon’s Story

USAgencies Credit Union has one main branch located in downtown Portland, yet we make it easy for members all over the country to access their accounts wherever they are thanks to the Credit Union CO-OP Network! With nearly 30,000 CO-OP ATMs and 5,000+ Shared Branches means you have more direct, surcharge-free access to your money than most traditional bank customers do. Our member, Brandon, confirmed that distance does not affect the level of services we provide to members.

Tell us a little bit about yourself.
Portland, OR native that bleeds blue and white for his Penn State Nittany Lions. My family is the most important thing in my life and I always look forward to visits back to Portland to spend time with them. I am up for anything outdoors – golf, hiking, running, and snowboarding. I really like yoga and have found it offers a great way to build both strength and flexibility. It’s also fun to spend time doing yoga in a 100 degree room haha. I love following the Portland Trail Blazers (my hometown team) and enjoy serving on various boards throughout the community.

Your passion.
Golf and yoga would be up there with my passions. My Nittany Lions, Trail Blazers and traveling also are a part of that list.

What is your favorite USAgencies’ moment as a member?
Getting my account set up for the first time many years ago. It was great to be a part of an organization that cared a lot about making sure all of my financial needs were well taken care of.

What do you value the most about USAgencies?
The connection that I feel with the organization despite not having lived in Portland for the last 20 years. USAgencies does a great job of making you feel valued and appreciated – regardless of where you live.


Thanks Brandon for sharing your story with us!

Want to share your USAgencies moment? Submit your story to social@usacu.org or via telephone at 503-275-0300. We’d love to hear from you!

All You Need To Know About Mobile Check Deposit

In a world where you can order almost anything through your mobile phone — from a new pair of shoes to a dining room table to tickets to a Caribbean cruise — it only makes sense for our members to have access to USAgencies Credit Union through mobile banking.

One of the most convenient features we offer through our mobile banking is check deposit. All it takes to deposit a check is a few minutes of your time and a phone with internet access.

Let’s take a closer look!

What is mobile check deposit?

Mobile check deposit is a way for you to deposit a check into your USAgencies Credit Union account from a distant location using a mobile device with internet access. You can be practically anywhere in the world and make your deposit at any time.

The process is simple: You’ll log into your USAgencies Credit Union mobile app and prepare your check for deposit. Tap on the Check Deposit icon and the app will guide you through snapping a picture of both the front and the back of the check. You’ll also be asked to verify the check amount. Once you’ve made the confirmation, your check will be submitted for deposit into your account.

It’s that easy.

The benefits of mobile check deposit

It’s not just another errand crossed off your list. Here are some of the benefits you’ll enjoy by using USAgencies Credit Union mobile check deposit:

  1. Convenience. You’re no longer bound by regular branch hours. As mentioned, you can now make your deposit anywhere, and at any time.
  2. Speed. Your check will generally clear more quickly through a mobile deposit than it will through an ATM deposit.
  3. Accuracy. There’s no room for errors when it comes to mobile check deposit. You’ll be asked to confirm the check amount in case the character-recognition software is not reading it correctly. On the small chance that an error occurs, you’ll still have the physical check, which you can then deposit at USAgencies Credit Union.

But is it safe?

If you’re worried about sending a personal check through the airwaves, you can rest easy. Your safety is always our priority, and we take multiple precautions for ensuring your personal information is protected throughout the mobile check deposit process.

First, with Fingerprint ID & Face ID (not available on all devices), there is no need to worry about stolen passwords.

Second, our mobile app does not store your check images in your phone. Once your check has been submitted, the image is erased from your phone and stored only in our own software.

Finally, if an error occurs, you’ll always have the physical check to deposit if necessary.

If you haven’t already done so, try USAgencies Credit Union mobile deposit. It’s quick. It’s easy. And it’s safe. You’ve got nothing to lose but one more errand crossed off your to-do list. Try it today!


Questions? Connect with us at 503-275-0300 Option 4. You deserve a better banking experience. Get it here.

Member Moment: Laurie’s Story

Here at USAgencies Credit Union, our biggest priority is your financial wellness, and that includes keeping you and your money safe! Our member, Laurie, shared her experience on how we made a stressful situation painless.

Tell us a little bit about yourself.
 I was born and raised in the Pacific Northwest and lived there most of my life until six months ago when my husband and I moved to Nevada.

Your passion.
My passions are family and exploration. I love traveling and seeing new sites. As much as I love having new areas to explore in our backyard now that we’ve moved, we miss family and friends.

What is your favorite USAgencies’ moment as a member?
I’ve been pleased with every interaction I’ve had with USAgencies from day to day banking to getting car loans and getting financial info together for home loans. My favorite moment was the way USAgencies treated me when my debit card number was stolen years ago. USAgencies was the painless part of a stressful situation and did exactly what they said they’d do.

What do you value the most about USAgencies?
What I value most about USAgencies is the personal service. Even living out of state and not being able to visit the branch, USAgencies has addressed my individual needs when I’ve called. That’s why I won’t switch credit unions.


Thanks Laurie for sharing your story and your adorable furrends.

Want to share your USAgencies moment? Submit your story to social@usacu.org or via telephone at 503-275-0300. We’d love to hear from you!

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.

Member Moment: Tejan’s Story

At USAgencies, not only are we passionate about providing solutions to improve each member’s financial life, we also want to make our members’ experience easy and smooth in every encounter.

Our member, Tejan, kindly shared his Member Moment here at USAgencies!

Tell us a little bit about yourself.
I am a father of 3 lovely kids – family man , a banker and  a Libra.

What is your passion?
I am passionate about volunteering in my local community with my kids. You will find us almost every weekend at some volunteer event with Reach CDC, the children’s book bank or others.

What is your favorite USAgencies’ moment as a member?
I had gone into the branch having lost my wallet, I needed to withdraw money to be able to process a new id and they made it easy for me to have access to monies in my account after asking just a few questions to identify me.

I also love the personal touch I get whenever I call in to ask a question or request a service, the staff are very friendly and as soon as I mention my name they know who I am and are very patient.

I have referred my family and friends and will keep being one of your biggest advocates.

What do you value the most about USAgencies?
I can list 10 – The simplicity of its financial solutions, its genuine passion to help members and the non pushy sales ethics.


Thank you so much for sharing your story, Tejan!

Want to share your USAgencies moment? Submit your story to social@usacu.org or via telephone at 503-275-0300. We’d love to hear from you!

News and Events happening at USACU