CCCU - Where People Are Worth More Than Money!

cascadecen t r a l . comYour Hometown Credit Union Since 1961 Fall•2019

Cascade Comments

Put more cash in your pocket for the holidays with our holiday Skip-A-Payment program. Simply choose to skip your November, December or January loan payment(s) and enjoy extra cash for catching up on bills, taking advantage of holi-day sales, or enjoying a weekend getaway. To take advantage of Skip-A-Payment, simply complete the form below, return it to the Credit Union, and pay a small processing fee of $25 for each payment skipped. A portion of each fee paid will be donated to the Cascade Central Credit Union Scholarship Fund.

Please note that your loans must be in good standing to qualify for Skip-A-Pay-ment. This offer does not apply to VISA accounts, Home Equity Lines of Credit or Real Estate Loans. The skipped payment will be added to the end of your loan term, and normal interest charges will continue to accrue.

ICU Day 2019 is a celebration of the impact credit unions and other financial cooperatives have made—and continue to make for their members. It is also a chance to be thankful for the lives and communities that have been improved by our movement. We invite you to join us in recognizing this special event on Thursday, October 17 as we celebrate with free refreshments for members in our lobby. We look forward to seeing you there!

Request to Skip-A-Loan PaymentI/we authorize the Credit Union to extend my/our Loan payment(s) as requested below. I/we understand that the loan is not eligible for payment extension if it is in default. I/we further understand this adjustment will increase the time it takes to repay my/our loan(s). In addition, I/we understand that interest continues to accrue against the un-paid balance. If the loan is paid with payroll deduction, I/we understand the skipped payment(s) will be deposited into my/our share account. All other terms of my/our loan agreement will remain unchanged.

I wish to skip an eligible loan* payment for: (please check one) oNovember oDecember oJanuary

Enclosed is my check (no cash please) for $25.00 or Transfer the Skip-A-Payment fee from my:

oChecking Account Number ______________________________________ (Transfer will be processed upon receipt of request.)

oSavings Account Number ______________________________________ (Transfer will be processed upon receipt of request.)

Print Name Date

Signature

Joint Signature and/or Co-Maker Signature

* Eligible loans EXCLUDE: VISA, Real Estate Loans, HELOC’s, and Overdraft Lines. ** A portion of fee will be donated to the Cascade Central Credit Union Scholarship Fund.

Don’t Skip Out On Holiday FunSkip-A-Payment Instead!

International Credit Union Day

Thursday, October 17, 2019

Take Your Pick of the PatchWith a Low-Rate Auto LoanTake your pick of color, make and model with the help of a low-rate auto loan from Cascade Central Credit Union.

R A T E S A S L O W A S

2.99% APR*With low rates, convenient terms and local service, we’re here to help you get the financing you need on whichever vehicle you choose. Apply online at www.cascadecentral.com or in person at your CCCU branch. * APR = Annual Percentage Rate. Quoted rate is the lowest available rate.

Your rate will be based on your credit history and may be higher. Rates and terms subject to change without notice.

Baby, It’s Cold Outside (So Stay Home!)

Transferring funds, paying bills, check-ing your balance, making deposits, and more can all be done from the comfort of your own home, office, or even the cozy coffee shop on the corner. Simply grab your computer or mobile device and log in to Online or Mobile Banking to manage your money whenever and wherever it’s convenient for you.

CCCU convenience services include:Online Banking • Mobile Banking

Online Loan Applications • And More!

Visit www.cascadecentral.com or download the CCCU app to get started today.

1206 12th StreetHood River, OR 97031

1206 12th StreetHood River, OR 97031

(541) 387-9297 • (800) 877-0103Fax: (541) 387-9504

L O B B Y H O U R SMon. - Fri. 9:00 a.m. - 5:00 p.m.

DRIVE-UP HOURSMon. - Fri. 8:30 a.m. - 5:00 p.m.

www.cascadecentral.com

PRSRT STDU.S. POSTAGE

PAIDHOOD RIVER, OR

PERMIT NO. 9

Remember, Once A Member, Always A Member!

© MHM/mdg • 503.636.1592

The winners from last quarter were Curtis Huckaby and Barbara Weaver.

Scrambled Names

Can you unscramble the following names?

You must unscramble the first

and last name. If one of the names

is yours, contact us and we

will give you a $10 prize!

C A R L E H G M N R E T R A A U B

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

M T O T E Y S A

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CURRENT RESIDENT OR:

Call (541) 387-9297 or (800) 877-0103 for our current Savings, Loans and CD Rates.

A S S E T S SAVINGS LOANS MEMBERS $69,603,603 $59,977,080 $32,865,308 3,650

Financial Spotlight As of August 31, 2019

Printed OnRecycled Paper

Federally Insured by NCUA

CCCU - Where People Are Worth More Than Money!

Staying safe online is something you should do every time you log on – not just during one month of the year! Start protecting yourself and your identity now, and keep that security strong all year long with these helpful tips.

• Realize you are a target. Every person who has an online presence is an attractive target to hackers. Don’t ever say, “It won’t happen to me.”

• Think bigger than eight. Practice good password management by using a strong mix of characters, such as numbers, uppercase and lowercase letters, and special characters. And never use the same password for multiple sites.

• Lock it up. Never leave your devices unattended for any length of time. This includes computers, phones, and tablets. If you keep sensitive information on a flash drive or external drive, make sure to lock that up as well.

• Beware of browsing. Banking and shopping should only be done on a device that belongs to you, and on a network that you know you can trust. Avoid doing sensitive browsing on a public computer or an unsecured WiFi network where your data could easily be copied or stolen.

• Keep your sensitive information private. Beware of what you share on social networks. Criminals often befriend would-be victims in order to easily gain access to your personal information, such as where you go to school, where you work, when you’re on vacation, and where you live.

• Stay alert. Monitor your financial accounts regularly for any suspicious activity. If you see something unfamiliar, it could be a sign you’ve been compromised and you should alert your financial institution immediately.

C O L U M B U S D A YMonday, October 14

V E T E R A N S D A YMonday, November 11

T H A N K S G I V I N G Thursday, November 28

C H R I S T M A SWednesday, December 25

N E W Y E A R ’ S D A YWednesday, January 1, 2020

Holiday Gift List? You Got This.VISA Gift Cards can be used online, over the phone and in all your favorite stores and restaurants across the coun-try. So whether you’ve got loved ones in their teens or in retirement, a VISA gift card offers the perfect personaliza-tion for everyone on your gift list. Stop by the Credit Union to finish up your holiday shopping today!

Holiday Closings