Our Roots Run Deep. Community Strong Since 1941.

www.ourcu.com

Shelton, WA 98584

CALL CENTER4 8 4 5 5

TELEPHONE BANKING4 8 4 (Nationwide)

SHELTON DOWNTOWN BRANCH526 W CedarShelton, WA 98584

SHELTON MOUNTAIN VIEW BRANCH2948 Olympic Highway NShelton, WA 98584

UNION BRANCH320 E Dalby Road, Suite AUnion, WA 98592

McCLEARY BRANCH424 W Simpson Avenue

855

ELMA BRANCH 8

Elma, WA 98541

MONTESANO BRANCH (Pick-Rite Thriftway)211 E Pioneer Avenue Suite B Montesano, WA 98563

VASHON BRANCH

8

COMMUNITY FINANCIAL CENTER2948 Olympic Highway NShelton, WA 98584

4 5 8 4 5 5

Join our Legacy Today.

We provide the tools and resources you need to manage your �nances.

&PRODUCTS Services

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Our missionOur Community Credit Union is a member-owned �nancial cooperative that shall sustain consistent growth and a strong �nancial position. We shall seek to treat all members in a digni�ed, caring manner. We shall manage members’ business con�dentially and accurately. We will provide members choices in services o�ered and access and will strive to be convenient. We will build lasting relationships through consultation in helping meet member needs.

During the war years, 1941 to be exact, logging was driving the economy of Shelton, WA as well as being an important contribution to the war effort. Charlie Savage, a union leader for the Simpson Logging Company, knew his loggers were being turned away from the local bank requests to buy cars, household appliances and other basic financial needs. The Simpson employees were in need of a banking alternative.

After much discussion and consulting with the neighboring Rayonier Federal Credit Union, the newly formed Simpson Employees Federal Credit Union filed a charter and received approval on December 3, 1941. Now anyone who worked for any Simpson operation could join the credit union. The maximum savings deposit was capped at $250 and the first loan application was for $150. Total loans in 1942 reached $947.75.

Fast forward to present day and Simpson Employees Federal Credit Union has since changed their name to Our Community Credit Union and grown over $300 million in assets. Anyone living, working, or attending school in Washington State can join. OCCU is large enough to offer a wide variety of products and services, yet is consistent in providing personal, caring service to their membership.

Our Mission

Federally Insured by NCUA.

Our Roots Run Deep. Community Strong Since 1941.

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CHECKING WITH VALUEOCCU has checking account options that are

Ask about our Free Checking and eChecking with no monthly service fee and no minimumbalance requirements. Plus and PremiumChecking provide benefit packages anddividend earnings.

AND, you’ll receive an OCCU Visa® DebitCard, Overdraft Protection, Online Banking,Bill Payer Service and eStatements.

account with value for any stage in your life.

SAVINGSA variety of savings programs will helpmembers plan for their future. Savings/Share and IRA accounts are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency.

• • Individual Retirement Accounts

(Traditional, Roth and Education)• Regular Savings/Share Accounts

Plus, we provide other investment options

consulting.

YOUTH PROGRAMS Savings programs designed to cultivatemoney management skills.

• Children’s Savings•

Special 1 year rate• eChecking / Free Checking programs• First Time Auto Loan program• Sallie Mae Student Loans

DIRECT DEPOSIT & PAYROLL DEDUCTION Have your paycheck or any other reoccurring check automatically deposited for instant access.

• We can accept direct deposit from any employer or government agency

• Forget waiting in line or rushing out on your lunch breaks, your funds will be waiting in your account for you

• Don’t worry about your check being left in the mailbox while on vacation. It’s automatically deposited!

Enjoy the convenience of knowing your money is automatically in your account on payday!

OCCU Routing #325182357

Our Roots Run Deep. Our Roots Run Deep. Community Strong Since 1941.Community Strong Since 1941.

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CONSUMER LOANSOur Community Credit Union has a variety of

competitive rates, personalized pricing, easy application processes and quality, personal service.

Plus you can skip two payments* each year on your loans.

• New and used auto loans• New and used RV and Boat loans• New and Used Motorcycles, ATVs, Personal

Watercrafts and Snowmobiles• Personal “Whatever – Whenever” loans• First Time Auto Loan Program• Home Improvement Loans – no equity required• VISA® Credit Cards with low interest rates and

ScoreCard Rewards® * Must be a member in good standing. Other restrictions apply. Excludes OCCU mortgage loans and Visa® credit cards.

HOME LOANS looking to

move up or considering tapping the equity in your current home, our Community Mortgage Center

for you.

We provide the personal service of guiding you through the application process and keeping you informed as your loan is processed. We’re here to help with any questions you may have along the way.

• Conventional loans• FHA loans• Jumbo loans• VA• USDA loans• • Land loans• Home equity lines of credit• Home equity loans

ONLINE LOAN PAYMENTSMake online loan payments* now through our website, your smart phone, tablet and even text messaging. Make your OCCU loan payment ONLINE with any credit card, debit card or eCheck.

• Use a card or eCheck from another

OCCU loan payment • Make a one-time payment or schedule

reoccurring payments • Cards accepted: VISA®, MasterCard® or

Discover® Card *Loan payments are posted on business days after 3 p.m. PST. If you make a payment after 3 p.m., it will be posted on the following business day. There is a convenience fee for the use of this service. The fee will be displayed before submitting the payment

Electronic ServicesOCCU MOBILE APP The OCCU mobile app is Online Banking for those on the go.

MOBILE BAKING FEATURES & BENEFITS• Transfer funds between accounts• Pay bills, view payees and history, make one

time payments and manage recurring pay-ments with Bill Pay

• Text* commands to get your balances and account history

• With Secure Messaging you can communicate directly with OCCU Member Services

• Customize alerts for transfers, balance thresholds and more • Find branch and ATM locations

COMING SOON! Deposit checks anytime, anywhere from your smart phone or tablet with Mobile Check Deposit

ONLINE BANKING Connect to your money 24/7Mange your checking, savings, loans and investment accounts with the click of a mouse. The service is free and easy to use.

• View account history, including loans,

• Transfer money between checking, savings and loan accounts

• Transfer money from your account to another OCCU member’s account

• Reorder checks• View images of your checks• Schedule recurring or one-time transfers

between accounts• Name your accounts, sort by categories,

create color settings• Send secure, encrypted messages to

OCCU support staff• Apply for loans, open checking,

• Customize alerts for low balances,

deposits, and more!

ONLINE BILL PAYER No stamps, no envelopes, no writing checks, no

bills such as your phone, utility, and mortgage, or make a one-time payment anytime! It’s convenient

Paying your bills online is easy to use, and it’s FREE** for OCCU members.

WHAT CAN YOU DO WITH BILL PAYER?• Fast

clicks! All you need is a copy of your bill! • Easy – Detailed instructions help you make

sure your payments are processed correctly. • Safe – Your account and payment information

are password-protected. Data encryption and

privacy of your transactions. • Versatile – Pay bills one at a time or set up

recurring payments. It’s up to you! • Convenient – Pay your bills whenever you

want, day or night • Supported – We’re here for you! Simply call

our toll-free number to speak to a trained, helpful member service representative.

*OCCU mobile banking service is provided free of charge except where indicated. Please check to verify charges from your communications service provider. Message and data rates may apply. Mobile Banking requires a web data plan. Access charges may apply. See your mobile phone plan for charges and other web data restrictions. Mobile banking accounts are subject to eligibility and further review. Deposits are subject to verification and may not be eligible for immediate withdrawal. Deposit limits and other restrictions apply. iPhone®, iPad® are trademarks of Apple Inc. App Store is a service mark of Apple Inc. Android is a trademark of Google, Inc.

**If you do not access the system and pay at least one bill during the billing cycle you will be charged a $5.95 inactivity fee for that month. You may also be charged a $20 fee if you elect to stop payment on a bill within 10 days of the payment date.

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eSTATEMENTSView your statements through Online Banking with a click of a mouse, and say goodbye to pesky paper pile-ups. eStatements are free!

• Available anywhere you have internet access• Faster than mailed statements• Provides added security against stolen mail

and ID theft• Archived for up to 24 months• Help save trees and free up space in your

Sign up today by logging into Online banking and clicking on e-Statements under the e-Services tab and follow the easy directions!

OCCU DEBIT CARD MOBILE ALERTS APP

OCCU Debit Card Mobile Alerts powered by VISA®. You can choose to receive alerts when your OCCU VISA® Debit Card is used for the following:

• • Foreign transaction alerts• Transactions at gas stations and

convenience stores• Purchase activity alerts• Card not present alerts• Declined transaction alerts• Invalid PIN alerts

All of these and many other useful alerts are available to help protect you and your account from fraud while monitoring the transactions you choose. Download OCCU Alerts in the App Store® or Google Play® today!

CALL-24/7 TELEPHONE BANKING Try OCCU Telephone Banking! It’s fast, convenient, and a handy companion to Online Banking. Call 855.368.6526 to access your account 24 hours a day. WITH OCCU TELEPHONE BANKING YOU CAN:

• Obtain account balances• Transfer funds between accounts• Verify a loan payment or payoff amount and

make payments• Determine what checks have been cashed• Obtain transaction information on

withdrawals and deposits• Get a cash advance on your OCCU VISA

credit cardAsk about our OCCU Telephone Banking instructions to help you get enrolled today.

OCCU ATMs OCCU offers free, convenient ATM access 4

OCCU has over 30,000 no-fee ATMs in our network. View OCCU’s ATM Finder at www.ourcu.com to discover all the convenient locations.

ADDITIONAL BENEFITS AND SERVICES• CO-OP® Shared Branching• • Wire transfers• Cashier’s checks• Notary public service• Safe deposit boxes• Online auto buying resource• New and used car book values• Online loan payments• Loan payment protection• Mechanical repair coverage/

24-hour toll free roadside assistance• Get Away Today® Travel Discounts• Costco® Membership• Sprint® discounts• Turbo Tax® discounts

Join our Legacy Today. Join our Legacy Today. Apply online at www.ourcu.comApply online at www.ourcu.com

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