Tag Archives: USAgencies

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.

5 Reasons to Start the Car Search at Your Credit Union

Before you set foot on the dealer lot, you’ll want to be informed about your options. Here are 5 reasons why starting the search at your CU is the better deal… 

Lower rates.
Maybe you’ve come across a dealership offering 0% financing on certain cars. Seems like that might be the best deal, right? If you check out the fine print, it’s usually not. Dealers often use this low rate to tempt buyers onto the lot, and into their financing office. Once you begin the purchase process, and start to fill out their paperwork, you may not qualify for that special 0% rate. Dealers count on those buyers that don’t qualify for the 0% to balance out any loss they might take, and their non-qualifying rates are usually substantially more than the 0% offer.

Better prices.
GAP (Guaranteed Asset Protection) insurance protects you against having to pay out your loan balance if your car is stolen or totaled. It’s a smart thing to add to your new car purchase, however you’ll want to be careful who you purchase it from. Some dealers require you to buy GAP insurance if you finance through them, and they can be much more expensive than what you’ll find at your Credit Union. The dealer is counting on you not to ask questions or to shop for a better deal. Compare USAgencies GAP product to the dealer’s, and you’ll find it’s a great deal. And we welcome your questions! Our mission is to Improve Each Member’s Financial Life. The more informed you are, the smarter a shopper you are, and the better a deal you’ll get.

Personalized service.
Members tend to have a much more personable experience at a credit union when compared to the financing department at the dealer. At your Credit Union, there are no high-pressure sales tactics- you can openly discuss any concerns you might have about your loan, talk about repayment options and review your personal financial goals with a professional that’s dedicated to your best interests. When you know your Credit Union offers quality loan products, fair pricing, and transparent lending policies, this can help alleviate some of the pressures of securing vehicle financing.

Educational resources.
Credit Unions have a ton of educational resources available to their members (usually for free) to help you make the best possible financial choices. From learning more about financing options, to calculating your monthly payment, to understanding additional insurance options—your Credit Union wants to do everything it can to help you make the best decision for your needs and goals. USAgencies Credit Union also has a whole host of financial education tools available to members online. From webinars, to articles, to interactive modules, USACU is here to help ensure you’re making an informed purchase. Feel free to browse our online resources anywhere, anytime.

Owned by YOU.
Unlike dealerships, or banks, which often create high-pressure sales goals and give bonuses for the loans they get approved, credit unions work for our members. We’re owned by our members, so we always have your best interests at heart. We aren’t trying to sell you products or services you don’t need, just to make a profit. We’re not-for-profit, so all profits made end up being returned to you in the form of lower rates, lower and fewer fees, and better savings rates. If you don’t like the pressure of working with lenders dealer financing company or bank, consider heading to your Credit Union first. We’ll steer you in the right direction.

 


Need one more great reason? Now through Oct. 31, you can save 1.00% on your auto loan rate during our Smart Savings Car Sale!

Questions about how to begin your search? Connect with us.

International Credit Union Day

This year, International Credit Union Day will be on October 19th, and the theme is ‘Dreams Thrive Here.’ We’ll be celebrating at USAgencies Credit Union by giving away FREE COOKIES in our lobby that day. Yum!

International Credit Union Day has been celebrated on the third Thursday of October since 1948 and is designed to create awareness and celebrate the ways credit unions improve the lives of their members around the world.

Come celebrate International Credit Union Day with us! Stop by, say hi, and grab a free sweet treat… we’d love to see you!

NEW! 24/7 Lending Center: ANYTIME Pre-Approvals

NEW! 24/7 Loan Approvals*

Because we know it’s not always convenient to apply for a loan when we’re in the office, USAgencies Credit Union now offers loan approvals anytime via our 24-hour Lending Center!

Connect 24/7 by calling 503.275.0300 (opt. 2) or toll-free at 800.452.0915 (opt. 2) for loan approvals that are quick, easy and convenient.


*24-hour approvals available for consumer loans only. Approvals not guaranteed and subject to credit review.

 

Smart Savings Car Sale

Smart Savings on Already Low Rates

Now through October 31st, purchase a vehicle with Enterprise Car Sales and finance with USAgencies Credit Union, and get 1.00% APR* off your qualifying rate!

PLUS–finance an Enterprise vehicle with us during our sale and we’ll donate 2 Book Packs to SMART (Start Making a Reader Today). That’s enough books for two children to complete one year in their program!

Want to do more even more for SMART?

We’re also holding a matching funds drive–Make a donation to our fundraiser and we’ll match it, up to $1,000!** Donate onlinein-person, or over the phone.

To learn more about this sale and other ways to give to SMART, visit USACU.ORG/CARSALE.

*APR = Annual Percentage Rate. 1.00% discounted rate is offered to qualified USAgencies Credit Union members by USAgencies Credit Union. Eligible members will receive 1.00% off qualifying rate, to as low as 1.24 % APR (including eStatement enrollment discount, SmartWay vehicle discount and Direct Deposit discount). Offer valid for terms up to 72 months. Current rate will vary based on credit worthiness and terms. Financing for qualified USAgencies Credit Union members only. Offer valid only on Enterprise Car Sales vehicles purchased from 9/15/17 – 10/31/17. This offer cannot be combined with any other offer. The “e” logo, Enterprise and “Haggle-free buying. Worry-free ownership.” are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners. © 2014 Enterprise Car Sales. F00308 EW DI 8/14 DB.

**$1,000 matching cap includes Book Pack donations as well.