USACU Info.

USACU News & Events

Best CD Rates in Oregon 2012

USAgencies Credit Union made the Oregonian's list for the Best CD Rates in Oregon 2012!  Even in a fragile market, we provide a safe, secure way to earn interest on your funds.  Open a certificate of deposit today!  Call (503)275-0300, option 2 to speak with a Member Service Representative.

Read the Oregonian Article here.

Find Out Just How Easy It Is To Switch Your Checking Account

It’s easy to free yourself of monthly maintenance fees with a USAgencies’ Checking Account.  With all the negative press surrounding the “big” banks and their outrageous monthly fees, now is a great time to move your checking!  Plus, it’s easier than you think!  You can find more information about our different checking accounts HERE

 Follow these simple steps to get started:

1. Open Your New Checking Account

Call a Member Relationship Specialist today at (503)275-0300 or 1(800)452-0915, option 2. They’ll get the process started for you!

2. Order New Checks and Debit Card

They usually arrive in about 7 to 10 business days.  You can also look at applying for a credit card at this time to keep everything local

3. Ask Your Employer to Reroute Your Direct Deposit

When you open your new account we will give you your new member number and our routing number to make it easy for your employer to start your Direct Deposit.

4. Contact Companies that Direct-Debit Your Account

Make a list of any businesses that you’ve authorized to directly debit your account and let them know your new account information.

5. Set-up PCBranch Bill Pay for Your New Account

If you like to pay bills online, set up your payments in our no monthly fee PCBranch Bill Pay.

6. Close Your Old Account

Once you have started receiving direct deposits into your new account and are sure that there are no outstanding checks or automatic debits that need to clear, close your old account.

7. Enjoy your new USAgencies Credit Union Relationship!

Home Loans – What is the Difference between a Pre-Qualification and a Pre-Approval?

By "pre-qualifying" you are not only made aware of the general amount of money you’ll be able to borrow, you will also learn about your current financial situation as it relates to purchasing a home. You will also be given tips on how to change or improve your financial status, if needed, to better meet your home purchasing goals. You’ll also learn about specific loan programs that you are qualified for and that will help you meet those goals.

Pre-Approval is the act of becoming conditionally approved for a specific home loan, prior to finding and making an offer for a home. The dollar amount submitted for approval is based upon your personal level of comfort, not to exceed an amount that is likely to be approved.

Documents that you must submit in order to obtain this service include:

  1. Income: One month of pay stubs & two years of W2 forms
  2. Assets: Previous two months worth of savings, checking and retirement account statements
  3. Debts: Complete list of credit debts displaying: creditor, balance owed and monthly payments
  4. Credit History: Lender will obtain credit report, use for a mortgage transaction

Note: On a case by case basis more documentation may be needed to provide evidence of additional income, assets or debts.

To find out what you can be pre-qualified and/or pre-approved for, call one of our experienced loan officers today at 503-275-0300, Ext. 329.

Our Money Fund Works Harder for You

In the current market, an account that works for you to make money is hard to come by.  We have the solution for you here at USAgencies Credit Union!  Our Money Fund Account rewards your savings with tiered interest rates for higher balances, no monthly fees, and the account is still liquid enough for withdrawals and unlimited deposits.  More importantly, your funds are safe and secured up to $250,000 by the National Credit Union Administration.  Call us today at (503)275-0300 or 1(800)452-0915, option 2 or visit our website at www.usacu.org and get your Money Fund started with an opening deposit of $1,000.00.

Safety and Convenience in One Product

Our unique Lifestyle Line here at USACU offers you flexibility in multiple ways.  Enjoy peace of mind with the overdraft protection for your checking account as well as a line of credit for any worthwhile purpose.  You can rest easy knowing you’ll be saving money by not paying Non-Sufficient Funds fees, having low monthly payments and a low variable interest rate.  To inquire further or apply for our Lifestyle Line, please call at 503-275-0300 or 1(800)452-0915, option 3 or visit us at www.usacu.org.

Experience Guidance from USACU Home Loan Center

Navigating the home buying process can be a challenge.  Home buyers in this current market are in a great bargaining position, giving them flexibility with negotiating price, closing costs and other concessions.   Steven Raymond, our Vice President of Residential Lending, is available to offer both new and seasoned home buyers valuable advice throughout the process.  He can be reached by phone at (503)275-0329 or by e-mail at sraymond@usacu.org.

Refer Veterans!

Did you know that Veterans residing in Oregon are eligible for USAgencies?  Last year, we extended our field of membership to include Veterans and their family members.  That means that we are now able to serve many of your friends and neighbors!  Here at USAgencies we offer great rates on our savings accounts, Certificates of Deposit, and our loans.  We also offer VA and ORVET home loans. 

Help us spread the word and we will reward you with $5.00 for each new Veteran that joins us!  Call today at (503)275-0300 or (800)452-0915 option 2 for more information.

Winter Proof Your Home

Winter is around the corner and the cold weather will be setting in.  Is your home ready?  Now is a great time to start those small projects to help keep your home cozy this winter.  We can help with anything from insulation to new windows to a new furnace with our great Home Equity Loans.  We offer:

  • Home Equity Loans with fixed rates, generous loan amounts and a possible tax deduction for interest payments (please consult your tax advisor).  Rates starting at 4.48% APR*
  • Our PrimeLine is a Home Equity Line of Credit for flexibility.  You can access some now, and then draw on it as your need the funds.  Rates start at 4.00% (V)APR*

Give us a call today at (503)275-0300 or 1(800)452-0915, option 3, to take advantage of competitive rates, low closing costs, and great member service.

 

*APR= Annual Percentage Rate.  Rate quoted is for a five year loan of $25,000 and includes a 1.00% origination fee with a face rate of 4.00%.

*(V)APR= Variable Annual Percentage Rate.   Rate quoted is lowest available and is tied to the Prime Rate.  Actual rate may vary depending on credit history and loan to value.

 

Your Opportunity to Own Your Own Private Getaway Your favorite designation might be more affordable than you think.  Whether you spend your spare time near mountains, rivers, oceans, the desert, or in tropical locations, now is a great time to purchase a Vacation Home with low prices, low mortgage rates and ample supply to choose from.  Most states will have a Multiple Listing Service (MLS) available to search homes in your desired area.  You can research homes located in Oregon and Washington by visiting www.rmls.com.  

 

Steven Raymond, Vice President of Residential Lending, is available at 503-275-0300, Ext. 329 or by e-mail at sraymond@usacu.org to calculate payments, discuss how much you can qualify for, or to answer your questions about purchasing a home.

Take Our Freestyle Accounts Back to School

If your son, daughter, niece, nephew, or grandchildren is going off to college, we can help make the transition a little easier.  Here at USAgencies we offer many products and services to get your student on the right financial track.

  • Freestyle Checking: A great way to start your student off right with a no minimum balance, no monthly fee checking account.  This account is offered to our members between ages 15 and 25 and comes with Bill Pay, the first box of 50 checks, and a Visa® Debit Card with access to over 28,000 CO-OP ATMs at no additional fee.
  • Freestyle Savings: This account is currently paying 1.00% APY* and gives your student up to six free withdrawals per month.
  • Secured Visa® Credit Card: Works just like a regular Visa® Gold, with a low, fixed rate of 11.95% APR**.  It offers a safe way to start building credit and is there in case of emergencies.
  • Shared Branch Network: No matter where your student is headed, we can find a branch close to them.  With over 4,300 in our network, we can go everywhere.
  • Lifestyle Line of Credit: A revolving loan that can be used as either overdraft protection of a line of credit.

We’re ready to help them get started on the right track.  Call us today at (503)275-0300 or 1(800)452-0915, option 2, or visit our website at www.usacu.org.

 

*APY= Annual Percentage Yield.  Rate subject to change.

**APR= Annual Percentage Rate.

Introducing our NEW Mechanical Breakdown Protection!

Do you drive down the road and hear odd noises from your car?  Wonder if it is just your imagination or if you really heard something?  If your vehicle were to breakdown, do you have enough in your savings account to cover the costly repairs?  If not, we have a solution for you!
 
We now offer a great Mechanical Breakdown Protection program!  No matter what year of the vehicle, no matter how many miles you may have, we have coverage for your vehicle so that you can have peace of mind!  Whether you own your vehicle free and clear or have it financed, we have Mechanical Breakdown coverage for you
.

With each coverage plan you recieve: 

  • Towing
  • Flat Tire Assistance
  • Battery Jump Starting
  • Lock-Out Services
  • No Deductible on covered parts and labor
  • Nationwide Coverage
  • Freedom to go to any Certified ASE Mechanic
So protect your vehicle and take off this summer on that vacation you want.  Go to the beach, mountains, visit friends and family.  Have a peaceful summer knowing you have protection with Mechanical Breakdown and USAgencies Credit Union!  Call our loan specialists today at (503)275-0300 or 1(800)452-0915, option 3.

Click Here to learn more!

We Have Low Rates on Boat Loans!

Wondering what you are going to do to have fun this summer? Ever dreamed of wakeboarding, water skiing, catching the BIG fish, or just taking a cruise on the many waterways the Northwest has to offer? Boats can create many wonderful memories with family and friends, and great stories (especially the fish that got away) that can be told for years.

USAgencies can help you make those dreams a reality with our low fixed rate boat loans. Rates start as low as 3.25% APR* and loan terms up to 15 years are available depending on the amount financed. We also can help ensure you don’t overpay for that fun on the water by providing values on boats you may find. You can also check the values by going to: www.nada.com.

Our loan specialists can get your pre-approved so you are ready to jump on the great deals you may find. Call us today at 503-275-0300, option 3, or 800-452-0915, option 3. You can also apply 24/7 online at www.usacu.org, or e-mail loans@usacu.org.

*APR=Annual Percentage Rate. Rate quoted is lowest available based on a term of 36 months for boats 2007 and newer. Your rate will be based on term, age of the boat and credit history.

Home Equity Loans

Perhaps you purchased your home when rates were higher and are now interested in locking into a lower rate?  You may even be interested in shortening the term of your loan to help you prepare for retirement. 

USAgencies offer home equity loans with terms up to 15 years that can save you money on your existing mortgage.  With low origination fees, convenient payment options and financing available for homes with at least 80% loan-to-value, our Home Equity Loans are an economical and time-saving option.  In some cases, we are able to process the loan without a formal appraisal..

 

Term of Loan

Rates as Low as

Up to five years

4.475% APR*

Up to 10 years

4.97% APR*

Up to 15 years

5.43% APR*

 

Contact one of our Loan Officers for further information at 1(800)452-0915 or (503)275-0300, option 3. 

*APR=Annual Percentage Rate. Rate quoted is lowest available and is subject to change. Rate quoted for second trust deed is based on a loan amount of $20,000 and includes a 1% origination fee with a rate of 4.25% for a five year; 4.75% for a 10-year loan and 5.25% for a 15-year loan. Your rate will be determined by your credit history.

Your Family Members are Eligible! Let USAgencies help your family members achieve their financial goals with high rates on savings accounts and low rates on loans.  We are here for you and your family throughout each stage of life from saving for a purchase or event, getting financing for a big purchase or refinancing existing loans or debt.  Sharing the benefits of USAgencies Credit Union can pay off!  We are offering you a $5 reward for each new member that you refer that joins.  Membership is open to children, grandchildren , parents, grandparents, sisters, brothers, nieces, nephews and spouses.  Your family members can sign up online at www.usacu.org and receive $10 deposited to their account.  To learn more about referring new members, simply call us at 503-275-0300 and we can talk you through the program.

More Free ATM Machines Enjoy the peace of mind of having access to 28,000 Surcharge-Free ATMs in the United States.

USAgencies Credit Union is part of the largest credit union-only ATM network in America.  Members who have a USACU Checking Account with the VISA Debit card can use 28,000 free ATMs, which includes 9,000 deposit-taking and 5,500 7-Eleven locations throughout the U.S. and Canada.  You are bound to find one close by.

 

Visit the CO-OPwebsite to find an ATM near you.  Or, you can send a text message with your location – address, intersection or zip code – to 692667 (MYCOOP).  Standard text messaging fees from your carrier apply.

 

For information on Checking Accounts offered at USAgencies click here