This is the August 2013 newsletter I created for Oregonians Credit Union.

1. SCENE
August 2013
OregoniansCU.com
CU in Oregon
Photo Fun Contest
We love living in
Oregon and we
know you do too!
That’s why we’re
celebrating our
wonderful state with the
CU in Oregon Photo Contest!
Participate by following us on
Facebook. We will post pictures
from around Oregon and include
trivia questions. Be the first to answer
correctly, and you will win a pair of
CU in Oregon glasses. From there
you can submit your own picture
wearing our shades for a chance to
win an Oregon getaway.
Our first round of the contest is over
and we’re happy to announce that our
first winner is Lauren Z, who won a
weekend stay at Seaside. She sent us
the photo above with a view of Mt.
Washington in the background.
For more info and rules please visit
our website or our facebook page.
FOLLOW ALONG!
OregoniansCU.com
facebook.com/OregoniansCU
Oregonians CU Visa Card
The Perfect Credit Card ForYou
*Rate shown is Annual Percentage Rate. Rate subject to change with 45 day notice. Approval based on credit standing and debt load.
Grace period of 25 days on new purchases. DesignYour Own Card costs $9.95 per time
Fed up with increased rates, hidden fees, fine print and reduced credit limits on your
credit card? At Oregonians CU, we offer a no-nonsense card that’s gimmick free.
Use our no-fee balance transfer option as a convenient way to pay off other higher
interest credit cards & save money.
Apply Online Today! www.OregoniansCU.com
OR DESIGN YOUR OWN!
CHOOSE FROM
THREE
DESIGNS
Make your credit card as unique as
you are by designing the front of
your card the way you want.
You’re the artist!
No Annual Fee
9.90% APR

2. Upcoming Seminars: Budgeting Basics
Learn about budgeting basics with Certified Credit Union Financial Counselor,
Julia Brown. You will learn:
Wednesday, August 7th
6:00-7:00pm
Gresham Branch
RSVP your spot by contacting Julia Brown at 503.239.1125 or JuliaB@ofcu.com.
• How to create and maintain a budget
• The importance of goals
• Tips to keep your budget relevant
• And much more
Wednesday, August 14th
6:00-7:00pm
Beaverton Branch
Wednesday, August 21st
6:00-7:00pm
Milwaukie Branch
SAVE THIS SUMMER
* APR = ANNUAL PERCENTAGE RATE. Rate determined by certain
credit criteria, collateral and term of loan. Higher loan to values and longer terms may increase rate.
Vehicles with 75,000 miles or more have a 1.00% higher rate. Minimum amounts apply to qualify for longer terms.
We reserve the right to decline a loan request due to credit conditions, collateral value/condition. Visit www.OregoniansCU.com for complete details.
FOR NEW OR USED
1.99%
As Low As
APR
Whether you’re buying a new car or refinancing from
another lender, we can help you save $$$ this summer!
Apply Online at
OregoniansCU.com
Oregonians Business Lending: Have Concerns That Are Unique ToYour Company?
Having the right tools is important for your business to grow and succeed. At Oregonians CU, our experienced lending staff is
ready to help take your business to the next level. Our local decision makers will work directly with you and find the perfect type
of loan that best suits your business needs.
What we have to offer:
• Commercial Real Estate
• Small Business Lines of Credit
• Business Vehicle
• Business Credit Cards
• Business Equipment & Machinery
Contact Our Business Services Department Today! 503.239.3070 OregoniansCU.com/business
We LoveVisiting and Learning More About our Business Partners

3. TRUTH
SPEAKS
REMINDERS
HOLIDAY CLOSURES
Our branches will be
closed in observance of
Labor Day
Monday, September 2nd
STAY ACTIVE!
Inactive accounts are charged
a $5.00 per month fee after
18 months of non-use.
Avoid this fee by depositing
at least $25 or utilize another
product with us, including a
loan orVisa credit card.
Get all the answers to your
questions with the search
option on our website.
Just enter your question
in the search box.
Save yourself a trip to the
branch by setting up direct
deposit. Our routing
number is 323075709. www.AAAOregonAutoSource.com
Call Brian Kitchen today!
503.230.1300
bkitchen@aaaautosource.com
1005 SE Washington St.
Portland, OR 97214
Auto Buying Resources:
Need help finding the perfect car?
AAA Oregon AutoSource may be an option
for you. AAA Oregon AutoSource is an auto
brokerage firm that can often find both used
and new automobiles at a better price than
you might find through dealerships.
Helping Oregonians Credit Union
Members For Over 20Years.
• Automotive purchase or lease made easy
• All makes and models - new and used
• Highly competitive pricing
• Direct credit union financing (CUDL)
• Quality AAA extended warranty plans
•Trade-Ins gladly accepted
• Price quotes with expert, unbiased info
• Quality pre-owned inventory
What is CUDL (Credit Union Direct
Lending)?
If you are buying a new car from a local
area auto dealer, there is no simpler way to
finance your vehicle than through Credit
Union Direct Lending (CUDL). CUDL
allows Oregonians CU members to apply
for an auto loan and receive our best rate
without leaving the dealership. Simply tell
the financing person at the dealership that
you are an Oregonians CU member and
you’d like to finance your auto loan with
your credit union.This usually takes just a
few minutes and you can do all the paper-
work right at the dealership!
Visit OregoniansCU.com to access our
CUDL website where you will have access
to many other auto buying resources:
• Complete list of participating dealerships
• Search for new and used vehicles
• Vehicle Comparisons
•Trade-in values
• Vehicle History Check and MORE
Look for the CUDL logo on our
website to learn more!
AUGUST TEXT PRIZE
Text SUMMER to 55678 for
a chance to win $50 gift
certificate from one of
our business partners.

4. www.Oregonians-
Phone
503.239.5336
800.982.2974
Telephone Banking
503.221.8737
800.833.1216
Home Loans
503.239.1120
800.697.8996
Business Loans
503.239.3070
800.205.9576
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
Branch Hours
Monday - Thursday: 9am - 5pm
Friday: 9am - 6pm
Website
www.OregoniansCU.com
Email
memberservices@ofcu.com
Facebook
facebook.com/OregoniansCU
Twitter
twitter.com/OregoniansCU
Locations
Contact Us
Federally Insured By NCUA
Do you have an estate
plan for your family?
Will or trust?
Which is best for your
family and why?
You’re Invited to a Complimentary Seminar:
Estate Planning Basics
An estate plan is a map of how
you want your personal and
financial affairs to be handled in
the future. An effective estate
plan can help ensure that your
family's financial needs will be
taken care of and that your
personal wishes will be carried out in the
manner you intended. It's a critical
part of your overall financial plan.
In this seminar on Estate Planning
Basics, you'll learn:
• Why you need an estate plan
• Strategies to plan for incapacity,
including special health care directives
• Wills, trusts, and life insurance
• Key tax basics, including an overview
of the federal gift tax, estate tax, and
generation-skipping transfer tax
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 LoseValue, No Financial Institution
Guarantee. Not a deposit of any financial institution.
*Phillip Hingson is not affiliated with CBSI or its representatives.
WHEN & WHERE
Thursday, Sept. 12th
6:30pm - 7:30pm
Milwaukie Admin Build.
6915 SE Lake Road
Milwaukie, OR 97267
RSVP is required
Space is limited.
To reserve your spot,
contact DeLynn Otis
at 503.239.3060 or
delynn.otis@cunamutual.com
DeLynn Otis
Financial Advisor
503.239.3060
delynn.otis@cunamutual.com
Guest Speaker and Estate Attorney Phillip Hingson* will join us and refreshments
will be served. You'll also receive a free workbook created just for this presenta-
tion.The workbook contains key information, worksheets and questions to help you
remember important points from the seminar.
RSVP is required to attend the no-cost no-obligation workshop. You are encouraged
to bring a guest!
FR071309-F914
Federally Insured By NCUA