1. society
2. work
3. retirement

September 2014
OregoniansCU.com
SCENE
Home Loans
Applying online is as easy as 1 - 2 - 3!
Our new online Mortgage Center makes applying for a home loan easier than
ever! You can now apply online in as little as 20 minutes. Whether you are buying
for the first time or refinancing a current home, we’ve got the right loan for you.
Our goal is to provide the highest level of service at competitive rates.
Our Mortgage Center also has useful resources like calculators and FAQs that can
help members who are in the first stages of the home buying process. You can
also set up Rate Alerts to help keep an eye on rates!
We Have an Important Tool for
Your Home Improvements...
The Money!
Is your home ready for some much
needed improvements? Whether it’s
remodeling your kitchen, building a
deck or re-roofing your house, we
have loan options with competitive
rates and terms that can help you
complete those projects!
Home Equity Line of Credit
APPLY
TODAY!
If you have equity in your home and
want maximum flexibility, this may
be the way to go for you. Our HELOC
rate is currently 3.75% APR1
Home
EquityElection
Loan
• Board
Lock in a low rate with this one-time
purpose loan. Our low fee Home
Equity Loan rates start at 4.99% APR.
• Ask Questions
• Appetizers & Prizes
Visit our Mortgage Center at
www.OregoniansCU.com
Home Improvement Loan
No equity? No problem! Our Home
Improvement Loans are cheaper than
most credit cards or unsecured loans
and you don’t have to have equity in
your home to take advantage! Rates as
low as 6.50% APR.2
1
Variable Rate. Rate based on prime rate + .50% APR. $25.00
annual fee. Closing costs vary. 2 Minimum loan amount is $3,000.
Maximum loan amount is $35,000. Loan proceeds are to be used
strictly for eligible home improvements. Owner occupied only and
occupied for at least 90 days. Loan approval and rate determined
by certain credit criteria, collateral and term of loan.
IMPORTANT MESSAGE: Online Banking Update
We recently updated our online banking system (e*Teller). There are some slight changes to improve the look but the navigation
remains unchanged. The main changes occurred behind the scenes to prepare the system for enhancements that are coming in the
future. For more information on our Online Banking services visit our website at www.OregoniansCU.com.
Commercial Real Estate Loans
Are You a Proud Oregonian?
Let us evaluate your
commerical real estate needs!
Next time you’re at one of our branches, ask
for one of our new Oregon shaped stickers.
Spread the love for our beautiful state!
Contact Us Today! 503.239.3070
With Mobile Deposit
a picture is now worth more than ever!
11 /28 /13
John Doe
Twenty five and 0/100--------------------
25.00
11 /28 /13
John Doe
Twenty five and 0/100------------------------
25.00
David Smith
Try it for Yourself today!
OregoniansCU.com/MobileDeposit
REMINDERS
HOLIDAY CLOSURE
Our branches will be
closed in observance of
Columbus Day
Monday, October 13
Auto Mentors:
Meet your new personal auto shopper!
Oregonians CU has partnered with Auto Mentors, personal auto
shoppers, to provide a valuable service to our members. Rather
than haggling with the dealership when in search of a new car, Auto
Mentors will track down the vehicle you want at a price you can afford. They work directly with our Lending Team to ensure your loan
is closed in time for you to drive away in your new vehicle. They can
even assist with trade-ins!
• Get pre-approved for an auto loan by applying at OregoniansCU.com
• Let our newly appointed personal auto shopper Glenn Howard assist you with finding
the right car for you.
Did you know we make
Business Loans? Commercial
Real Estate, Lines of Credit and
more. Let us help your business
meet its goals! Contact our
Business Lending Department
at 503.239.3070.
Good financial habits
are learned early in life. It’s
critical that youth learn good
money management skills.
Open a youth account
for your child today!
Contact Glenn Howard at 503.487.7623 or email him at glenn.howard@automentors.com.
Glenn will answer your questions, and help narrow down the options until he finds the vehicle
that is right for you.
AUTO RATES AS LOW AS
1.99% APR
Fraud Watch:
Tips to Safeguard Your Digital Credentials
Oregonians Credit Union takes the security of member
accounts very seriously. We use advanced security technology
and techniques to safeguard our members’ personal information. With hackers and data breaches in the news recently, we
thought it would be a good time to review some best practices
for safeguarding your own online credentials:
• Do not use the same ID and Password across multiple sites.
• Do not enter your Oregonians CU Online Banking credentials
into any site other than Oregonians CU Online Banking.
Save yourself a trip to the
branch by setting up direct
deposit. Our routing number is
323075709.
• Use strong passwords., For example a minimum of eight characters with a combination of
letters and numbers, upper and lower case and symbols such as the exclamation mark.
• Use different passwords for all user accounts.
• Change your passwords often.
• Your passwords should be easy to remember, but difficult for others to guess.
• Never share passwords with anyone.
Follow us online
facebook.com/OregoniansCU
twitter.com/OregoniansCU
• Change passwords immediately if they may have been compromised.
• Ensure that any computers used to access your online banking accounts are free from
viruses and malicious software.
• Monitor your account activity using the MyAlerts service available in Online Banking.
Visit the fraud watch page on our website for more security tips!
You’re Invited to a Complimentary Seminar
Social Security and Your Retirement
Contact Us
Phone
503.239.5336
800.982.2974
Home Loans
503.239.1120
800.697.8996
Telephone Banking
503.221.8737
800.833.1216
Business Loans
503.239.3070
800.205.9576
Website
www.OregoniansCU.com
Email
memberservices@ofcu.com
Locations
Beaverton
11240 SW Allen Boulevard
Beaverton, OR 97005
Downtown Portland
1437 SW Broadway
Portland, OR 97201
Gresham
247 E Powell Boulevard
Gresham, OR 97030
Milwaukie
6915 SE Lake Road
Milwaukie, OR 97267
NE Portland
336 NE 20th Avenue
Portland, OR 97232
Oregon City
19360 S Molalla Avenue
Oregon City, OR 97045
Prineville
110 NE 5th Street
Prineville, OR 97754
St. Johns
7825 N. Lombard St
Portland, OR 97203
Branch Hours
Monday - Thursday: 9am - 5pm
Friday: 9am - 6pm
Federally Insured By NCUA
Are you a baby boomer?
Are you thinking about retirement?
You’re not alone!
Over the next 19 years, more than 10,000 baby boomers a day will turn 65.* But
many pre-retirees haven’t saved enough money on their own, and they worry about
how they’ll bridge the income gap between their Social Security benefits and what
they’ll actually need to secure their retirement. Are you one of them?
You’re invited to attend an informational meeting about Social Security benefit
options and how they may influence your retirement decisions.
Are you planning to take early retirement?
Or do you want to continue working until, or beyond, full retirement age?
Whatever your plans, this meeting will help you make informed decisions about your
future based on your Social Security benefit options and how much money you may
need from other sources to supplement your retirement income.
*Source: Pew Research Center, pewresearch.org, 2011
Where
Milwaukie Branch
6915 SE Lake Road
When
Tuesday, Sept. 16th
6:00 PM
Space is Limited. RSVP is required.
Call DeLynn Otis at 503.239.3060 or
email delynn.otis@cunamutual.com
to reserve your seat today!
Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/
SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No
Financial Institution Guarantee. Not a deposit of any financial institution. 0177997-00004-00