(888) 274-1526

All good things must come to an end…and be replaced with something way better! You may have noticed a few changes around here lately. Not only did we redesign our website with a fresh new look, but we also upgraded our Online and Mobile Banking solutions. We are very excited to bring you these enhancements to give you easier access to your accounts, and smarter technologies that will give you an even better banking experience!

Some of these new features include the ability to customize your accounts in Online Banking by hiding and sorting your accounts any way you like – creating an online banking experience of your own. We also introduced our new Money

Management tool that will help you track your budget and spending,

as well as giving you valuable insights about your finances –

ensuring you are in control of your financial life.

This time last year, we received valuable input from our members who expressed interest in having access to Financial Advisory Services here at USAgencies Credit Union. Which is why we are excited to announce we have partnered with Michael Volk of KMS Financial Services, Inc. to offer investment services and financial planning to our members. Michael shares our member centric values and has been working with credit unions since 2003. This fall Michael will have a presence in our branch and will be available to members.

Your input has provided us valuable information and direction on how we can serve you better. Meanwhile, USAgencies Credit Union will continue to strive towards our mission – To provide solutions to improve each member’s financial life, in the years ahead.

Letter from the CEO

JIM LUMPKIN President/CEO

Fall - Winter 2018 NewsletterBUY WITH ENTERPRISE CAR SALES

WE’VE GOT A NEW LOOK: NEW ONLINE & MOBILE BANKING

NEW! FINANCIAL ADVICE & INVESTMENT SERVICES

LETTER FROM THE CEO: CHANGES WE’VE MADE THIS SUMMER

ADVANTAGE + MONEY MARKETING, SKIP-A-PAYMENT FOR KIDS,

VOLUNTEER AT YOUR CREDIT UNION, HOLIDAY CLOSURES, & MORE!

95 SW Taylor Street Portland, OR 97204

Up your game with USAgencies Enterprise Car Sales this October.

SEE INSIDE FOR DETAILS

LEARN MORE: USACU.ORG

PLUS — Finance an Enterprise vehicle with USACU between Oct. 1 and 31, 2018 and receive a $50 Gas Gift Card from us.3

up your gameenterprisecar sales

1 Kelley Blue Book Trade-In Values used by Enterprise are obtained from © 2018 Kelley Blue Book Co.’s website KBB.com. Kelley Blue Book Trade-In Value is based on accurate condition rating & mileage of vehicle. Accurately appraising the condition of the vehicle is an important aspect of determining its Kelley Blue Book Trade-In Value. Kelley Blue Book valuation adjustments for vehicle mileage disproportionate to the age of the vehicle may be capped by Enterprise Car Sales at 20% of the vehicle’s base value. If a Kelley Blue Book Trade-In value is not available for customer’s vehicle Enterprise will provide a fair & competitive value for customer’s vehicle. Additional trade-in value of up to $500 is available only on passenger vehicles & light duty trucks, with a Kelley Blue Book Trade-In Value & when a vehicle is purchased from Enterprise. Customer is responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer must provide required proof of ownership/registration & all other necessary paperwork to transfer title. Offer only valid on one trade-in for each Enterprise vehicle purchase. Restrictions apply. See a Sales Consultant for details. Offer valid in MD, NM, OR, VA & Washington, D.C. Offer valid 10/1/18 - 10/31/18. No cash advances. Offer cannot be combined. Not valid on previous purchases. THE VALUE OF USED MOTOR VEHICLES VARIES WITH MILEAGE, USAGE, INCLUDED ACCESSORIES & CONDITION. BOOK VALUES SHOULD BE CONSIDERED ESTIMATES ONLY. Used vehicles were previously part of the Enterprise rental fleet and/or an affiliated company’s lease fleet or purchased by Enterprise from sources including auto auctions, customer trade-ins or from other sources, with a possible previous use including rental, lease, transportation network company or other use.2 90-day no payment offer is only available to members who finance an Enterprise purchase through USAgencies Credit Union from 10/1/18 - 10/31/18. Interest accrues during the 90-day no pay period. First payment due no later than 90 days after loan funding.3 Offer is only available for vehicles purchased through Enterprise Car Sales and finance with USACU between promotional period: October 1 – 31, 2018. Gift card will be sent through USACU.4 For a period of seven days beyond the date of delivery or 1,000 miles beyond the odometer reading at delivery, whichever comes first, the vehicle may be returned to Enterprise for repurchase at the exact price originally paid minus a $200 documentation and cleaning fee (as allowed by law). Restrictions apply. For details, see an Enterprise Car Sales Manager or call 1-888-227-7253. 5 Limited vehicle warranty begins on vehicle purchase date and extends for 12 months or 12,000 miles, whichever comes first. Restrictions apply. For details, see an Enterprise Car Sales Manager or call 1-888-227-7253.

As your member-owned financial cooperative, we want to know what you think about

your CU! Love us? Let us know. Are there a couple of things we could be doing

better? We’re listening.

Update your email address today to receive an invitation to our 2018

Member Survey!

2018 Member Survey

Enterprise sells cars? Yes they do!Buying a vehicle with Enterprise is the way to go.WHY ENTERPRISE? » Purchasing a used vehicle from

Enterprise is an easy way to find a quality used vehicle. They select the best vehicles, mostly from their rental fleets, to sell directly to you.

WITH ENTERPRISE YOU GET: »7-Day Repurchase Agreement4 »12 month/12,000 mile limited power train warranty5 »109-point vehicle inspection by an ASE certified technician »Free CARFAX report »No haggle pricing

(888) 274-1526

Enterprise is offering Kelley Blue Book trade value + up to $500 this October!

1

From October 1st - 31st, purchase a vehicle with Enterprise Car Sales, finance with us, and make no payments until 2019!2

If you’re thinking of purchasing a quality used vehicle, don’t miss our sale. For complete sale details, visit USACU.ORG

(888) 274-1526

All good things must come to an end…and be replaced with something way better! You may have noticed a few changes around here lately. Not only did we redesign our website with a fresh new look, but we also upgraded our Online and Mobile Banking solutions. We are very excited to bring you these enhancements to give you easier access to your accounts, and smarter technologies that will give you an even better banking experience!

Some of these new features include the ability to customize your accounts in Online Banking by hiding and sorting your accounts any way you like – creating an online banking experience of your own. We also introduced our new Money

Management tool that will help you track your budget and spending,

as well as giving you valuable insights about your finances –

ensuring you are in control of your financial life.

This time last year, we received valuable input from our members who expressed interest in having access to Financial Advisory Services here at USAgencies Credit Union. Which is why we are excited to announce we have partnered with Michael Volk of KMS Financial Services, Inc. to offer investment services and financial planning to our members. Michael shares our member centric values and has been working with credit unions since 2003. This fall Michael will have a presence in our branch and will be available to members.

Your input has provided us valuable information and direction on how we can serve you better. Meanwhile, USAgencies Credit Union will continue to strive towards our mission – To provide solutions to improve each member’s financial life, in the years ahead.

Letter from the CEO

JIM LUMPKIN President/CEO

Fall - Winter 2018 NewsletterBUY WITH ENTERPRISE CAR SALES

WE’VE GOT A NEW LOOK: NEW ONLINE & MOBILE BANKING

NEW! FINANCIAL ADVICE & INVESTMENT SERVICES

LETTER FROM THE CEO: CHANGES WE’VE MADE THIS SUMMER

ADVANTAGE + MONEY MARKETING, SKIP-A-PAYMENT FOR KIDS,

VOLUNTEER AT YOUR CREDIT UNION, HOLIDAY CLOSURES, & MORE!

95 SW Taylor Street Portland, OR 97204

Up your game with USAgencies Enterprise Car Sales this October.

SEE INSIDE FOR DETAILS

LEARN MORE: USACU.ORG

PLUS — Finance an Enterprise vehicle with USACU between Oct. 1 and 31, 2018 and receive a $50 Gas Gift Card from us.3

up your gameenterprisecar sales

1 Kelley Blue Book Trade-In Values used by Enterprise are obtained from © 2018 Kelley Blue Book Co.’s website KBB.com. Kelley Blue Book Trade-In Value is based on accurate condition rating & mileage of vehicle. Accurately appraising the condition of the vehicle is an important aspect of determining its Kelley Blue Book Trade-In Value. Kelley Blue Book valuation adjustments for vehicle mileage disproportionate to the age of the vehicle may be capped by Enterprise Car Sales at 20% of the vehicle’s base value. If a Kelley Blue Book Trade-In value is not available for customer’s vehicle Enterprise will provide a fair & competitive value for customer’s vehicle. Additional trade-in value of up to $500 is available only on passenger vehicles & light duty trucks, with a Kelley Blue Book Trade-In Value & when a vehicle is purchased from Enterprise. Customer is responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer must provide required proof of ownership/registration & all other necessary paperwork to transfer title. Offer only valid on one trade-in for each Enterprise vehicle purchase. Restrictions apply. See a Sales Consultant for details. Offer valid in MD, NM, OR, VA & Washington, D.C. Offer valid 10/1/18 - 10/31/18. No cash advances. Offer cannot be combined. Not valid on previous purchases. THE VALUE OF USED MOTOR VEHICLES VARIES WITH MILEAGE, USAGE, INCLUDED ACCESSORIES & CONDITION. BOOK VALUES SHOULD BE CONSIDERED ESTIMATES ONLY. Used vehicles were previously part of the Enterprise rental fleet and/or an affiliated company’s lease fleet or purchased by Enterprise from sources including auto auctions, customer trade-ins or from other sources, with a possible previous use including rental, lease, transportation network company or other use.2 90-day no payment offer is only available to members who finance an Enterprise purchase through USAgencies Credit Union from 10/1/18 - 10/31/18. Interest accrues during the 90-day no pay period. First payment due no later than 90 days after loan funding.3 Offer is only available for vehicles purchased through Enterprise Car Sales and finance with USACU between promotional period: October 1 – 31, 2018. Gift card will be sent through USACU.4 For a period of seven days beyond the date of delivery or 1,000 miles beyond the odometer reading at delivery, whichever comes first, the vehicle may be returned to Enterprise for repurchase at the exact price originally paid minus a $200 documentation and cleaning fee (as allowed by law). Restrictions apply. For details, see an Enterprise Car Sales Manager or call 1-888-227-7253. 5 Limited vehicle warranty begins on vehicle purchase date and extends for 12 months or 12,000 miles, whichever comes first. Restrictions apply. For details, see an Enterprise Car Sales Manager or call 1-888-227-7253.

As your member-owned financial cooperative, we want to know what you think about

your CU! Love us? Let us know. Are there a couple of things we could be doing

better? We’re listening.

Update your email address today to receive an invitation to our 2018

Member Survey!

2018 Member Survey

Enterprise sells cars? Yes they do!Buying a vehicle with Enterprise is the way to go.WHY ENTERPRISE? » Purchasing a used vehicle from

Enterprise is an easy way to find a quality used vehicle. They select the best vehicles, mostly from their rental fleets, to sell directly to you.

WITH ENTERPRISE YOU GET: »7-Day Repurchase Agreement4 »12 month/12,000 mile limited power train warranty5 »109-point vehicle inspection by an ASE certified technician »Free CARFAX report »No haggle pricing

(888) 274-1526

Enterprise is offering Kelley Blue Book trade value + up to $500 this October!1

From October 1st - 31st, purchase a vehicle with Enterprise Car Sales, finance with us, and make no payments until 2019!2

If you’re thinking of purchasing a quality used vehicle, don’t miss our sale. For complete sale details, visit USACU.ORG

We’ve Got a New Look

New! Financial Advice & Investment Services NAVIGATE TO A BRIGHT FINANCIAL FUTURE.

Monthly news, events, tips, tricks, and much moreVISIT USACU.ORG TO SUBSCRIBE TO OUR eNEWSLETTER, READ OUR BLOG, OR CONNECT ON FACEBOOK

Staying on top of your finances is a marathon. We know that keeping up with financial plans can be a challenge on top of what’s going on in your everyday life.

We’re here to help! We’ve partnered with Michael Volk of KMS Financial Services, Inc. to offer investment services and financial planning to our members.

Michael specializes in:

» Asset management

» Asset allocation

» Create income strategies

» Retirement plan evaluation and counseling

» Pre-retirement planning

» Retirement income strategies

» Long-term care strategies

» Insurance evaluation

SHARE US WITH THE ONES YOU LOVE HELP IMPROVE THE FINANCIAL LIVES OF YOUR LOVED ONES BY INTRODUCING THEM TO YOUR FAVORITE CU....THEY’LL THANK YOU FOR IT!

LEARN MORE ABOUT THE BENEFITS OF MEMBERSHIP AND OUR REFER-A-MEMBER PROGRAM.

VISIT USACU.ORG

Holiday Closures

Volunteer at your Credit UnionDID YOU KNOW YOU CAN BECOME A VOLUNTEER AT YOUR FAVORITE CU?

USAgencies Credit Union is guided by a group of Volunteers. Volunteers are passionate, committed members who collaborate together, alongside USAgencies employees, to help our Credit Union thrive!

If you’d love to join in and help set the tone at the best member-driven cooperative credit union in the Pacific Northwest, we’d love to talk to you more about it!

(Not sure you’re ready to become a full-fledged Volunteer? We also have an Associate Volunteer program!)

Columbus Day Monday, Oct. 8th, 2018

Veterans’ Day Monday, Nov. 12th, 2018

Thanksgiving Thursday, Nov. 22nd, 2018

Christmas Eve Monday, Dec. 24th, 2018(Closing at 2 PM)

Christmas Day Tuesday, Dec. 25th, 2018

New Year’s Day Tuesday, Jan. 1st, 2019

Martin Luther Day, Jr. Day Monday, Jan. 21st, 2019

Presidents’ Day Monday, Feb. 18th, 2019

FOR MORE INFO, CONNECT WITH US: (503) 275-0300 | info@usacu.org

Skip-a-Payment for KidsTake us on the goSKIP-A-PAYMENT & GIVE BACK You know you always have the option to skip-a-payment on eligible USAgencies’ loans for a small fee, but did you know that during the holidays we’ll donate that fee to Credit Unions for Kids! Skip your November or December payment, pay the fee ($25), and we’ll donate it to sick or injured kids in need.

Connect with us at (800) 452-0915 (opt. 2) or loans@usacu.org to learn more!

WE’RE CONNECTED TO YOU NO MATTER WHAT We like to think of our app as a mobile version of our branch. It’s available 24/7/365 and allows you to perform most of the functions you can do in the branch, including deposit checks, pay bills, and help you easily find the nearest CO-OP ATM or Shared Branch and navigate with directions.

Mobile Check Deposit Although we love seeing you in our branch when you make deposits, there is another easy and secure op-tion: mobile check deposit. Use our app to snap a pic of your check and deposit funds — It’s that easy!

Advantage+ Money MarketEarn at a higher rate with your higher balances. Grow your savings with competitive interest rates while still having convenient access to your funds – the account with the benefits of both savings and checking accounts is available again at USACU.

It’s Back!

ON 8/21, WE LAUNCHED OUR REDESIGNED WEBSITE, ONLINE & MOBILE BANKING...and we made this BIG change to ensure you get the best possible online and mobile banking experience!

Smarter. Sleeker. Easier.

Our redesigned website gives you a more intuitive web experience on any device. You can easily access your account information, conduct transfers, and pay bills on any mobile device that has web browsing capabilities. Our online application was also redesigned to give you an easier and quicker experience — open accounts and apply for a loan online anytime, anywhere.

Are you a fan of text messaging? You can now get your latest account balance and history information, transfer funds, and receive weekly balance via text messages, plus receive text alerts for your accounts.

What’s New in Online & Mobile Banking?

With our new Online Banking, you can get support through secured online chat during business hours — one more way to get in touch with us. Online chat is also available in Mobile Banking.

In the new Online Banking system, you can customize the way you want to view your accounts by sorting, showing and hiding accounts any way you want — create an Online Banking experience of your own.

You can now grant account access to the people you trust with Shared Access, a new tool that authorizes select individuals to perform financial tasks for you!

In our new Mobile Banking app, you can now quickly, like instantly, access your accounts with Fingerprint & Face ID (not available on all devices).

New! Money Management

Budget for a brighter future

Climb to new heights with USAgencies’ FREE financial management tool in Online & Mobile banking — Money Management. Visualize and interact with your money in the most epic ways. Get quick overview and view recent transactions of your accounts — both at USACU and other financial institutions.

Track your budget. Bubble Budgets help you understand the relative health of your budgets.

Watch your spending. Every transaction is automatically categorized so you can spend smarter.

To get the most out of Money Management, log in to Online Banking and learn more!

About MichaelMichael Volk has served individuals, families, and business owners since 1999. He believes that good financial advice starts with assessing one’s history, beliefs, and attitudes about decisions involving money.

Michael works in partnership with you step by step to identify your goals, analyze your current financial situation, design a financial plan and guide you in a thorough manner. Michael is adept to educate individuals about financial concepts and strategies. He also has the resources to provide solutions that are appropriate for you, taking into account your goals, risk tolerance, and time horizon.

Connect with Michael for a no-obligation consultationPHONE (503) 447-6856 EMAIL: michael@lionfa.com

Securities and advisory services offered through KMS Financial Services, Inc. Member FINRA/SIPC. Investments Are: NOT NCUA/FDIC INSURED, NO CREDIT UNION GUARANTEE, MAY LOSE VALUE.

Download our new app

The USACU Mobile App is available on Google Play or the Apple App store. You can find it by searching for “USAgencies” or “USACU.”

QUESTIONS? CONNECT WITH US: 1.800.452.0915