O c t o b e r Refinance your way into an auto loan that fits!

Federally Insured by the NCUA

Whether it’s getting to work or getting the kids to school – it’s important to have a vehicle that fits your lifestyle. But, what if the “right car” didn’t come with the “right car loan”? Don’t settle for a one size fits all loan. Our flexible terms and convenient online access make it easy to get into an auto loan that fits your life and your budget. Pick your due date, payment frequency – even the payment amount.

So why wait? Call one of our loan experts at 541-672-9000, swing by any branch or visit us online at www.cascadecu.org for rates as low as 1.49% APR*! You’ll be glad you did.

*1.49% Annual Percentage Rate is for A credit up to 24 months on loans of at least $10,000.00. Automatic payment is required.

O c t O b e r 2 0 1 5

FeAtUReS

right car –

Wrong Loan

?

17876 20 316 26658

change in terms

You agree that you will not use any of your Credit Union accounts, access devices or services for unlawful Internet gambling, activity in violation of the Federal Controlled Substances Act (including the manufacture, distribution, or dispensing of marijuana), or other illegal activities. We may terminate your account relationship if you engage in unlawful Internet gambling, account activity related to violation of the Federal Controlled Substances Act, or other illegal activities.

Any member may obtain a copy of the amended disclosures by contacting us at 541.672.9000.

Fee schedule

(effective November 1, 2015)

Certain small but substantive provisions of the Credit Union fee schedule have been amended. these fee changes will not affect most Credit Union members… and most are avoidable. You may review and retrieve the new fee schedule at Products and Services on our website, www.cascadecu.org or receive it by calling us at 541.672.9000 or 800.848.0618.

AnnuAL PrivAcy DiscLOsure nOtice

Our Privacy Disclosure is publically available on our website at: https://www.cascadecu.org/about/privacy_policy

We will also promptly mail our Privacy Disclosure when we receive your request at 541.672.9000.

Holiday Loan skips:

tis the Season for Holiday Loan Skips! Skip your November or December Loan payment(s) – we don’t mind. But remember, we need ALL loan skips requests at least 10 DAYS PRIOR tO YOUR DUe DAte! Restrictions apply. Please note: there is a $15 fee for each loan skipped.

SHReD DAY:

Help protect yourself from identity theft! Join us for Free Document shredding from 10am – 2pm on saturday, October 17th at 1123 W. Harvard Ave. Rain or Shine.

need an HsA?

If you’re in a High Deductible Health Plan (HDHP) or even an employer paid ‘Section 125’ HDHP and need a Health Savings Account (HSA) to complement it? Cascade Community Credit Union has the answer for you!

Check out our simple member-friendly HSA! No monthly fee, and 24/7 easy online access from your computer or mobile device. With our convenient debit card, eligible expenses are paid from the tax-deferred HSA contributions you (or your employer) have made. An HSA not only helps you get a handle on rising health care costs, but provides a tax-advantaged way to save.

talk to your tax professional about the advantages and conditions of an HSA. then let your local-only financial institution meet your HSA needs. Come by and see us today at Cascade Community Credit Union. Federally insured by NCUA.

Douglas County has one

of the most supported

4-H & FFA programs

in the state along

with Oregon’s finest

Open Class; livestock

is well represented

at our fair. On Friday

evening of fair week,

the “Roseburg Rotary

Auction” takes place.

Cascade Community

Credit Union’s CeO, Bob

Dempsey was there

to support Douglas

County’s youth by

purchasing both the

Grand champion Hog

from Jodi sonka and a steer from conner Grauf

this year! In

our commitment to this

community and providing

for today’s youth; the

Grand Champion Hog

is now going to be

providing piglets this

coming year to future

4-H/FFA members.

Keeping the tradition

of giving back alive in

Douglas County.

Pictured right:

Conner Grauf with his Steer

DOuGLAs cOunty 4-H PrOGrAm

(541) 672-9000

l

Cascade Community Credit Union

Pictured above: Bob Dempsey, CCCU CeO and

(541) 672-9000

l

Cascade Community Credit Union

each year DepositAccounts.com evaluates the financial health of every federally insured credit union in the United States – more than 6,600 total. each institution is graded on a number of factors, including capitalization, deposit growth, and loan to reserve ratios, in order to determine a comprehensive health score.

From the list of 6,655 credit unions, DepositAccounts.com recognizes those who have shown exceptional fiduciary responsibility in its 2015 edition of the top 200 Healthiest credit unions in America…

We are very happy to announce that cascade community

credit union was ranked 3rd in the united states and the

safest credit union in Oregon!

About DepositAccounts.com

DepositAccounts.com is the largest and most comprehensive online publication in the U.S. dedicated to banking/savings (deposits) information for consumers. It covers all 14,000 federally insured banks and credit unions and utilizes its patented technology to track more than 275,000 consumer deposit rates, each updated nightly. the site features more than 10,000 editorial articles detailing depository strategies and highlighting current bank rates and offers. It is also home to one of the largest communities of depositors on the Web, hosting more than 90,000 comments, customer reviews, and forum threads.

cascade community credit union ranks as one

of the Healthiest credit unions in America

45660

44

7

90

merchant Pro express

Do you want to accept credit cards? Cascade Community Credit Union can help; we have teamed up with MerchantPro express (MPX) to provide merchant services for our business accounts. MPX is powered by First Data to provide state-of-the art processing services and advanced point of sale equipment to our business member community. MPX merchant solutions are easily customizable for businesses of different sizes and needs. As a one-stop-shop merchant services provider, MPX has everything you need to accept all major credit cards and process payment transactions directly into your Cascade Community Credit Union business account.

the mPX program offers:

• Cost-effective pricing for all business types including non-profit organizations and seasonal businesses.

• Smart Card and Near Field Communication equipment that is compliant in all demographics.

• In-the-field representation and support that covers every aspect of your business operation, whether it be equipment or logistical. • Online reporting in real-time that can be accessed from any PC or

mobile device.

the mission of Cascade Community Credit Union is to serve our community with excellence by serving our members well. We want your business member experience to be a rewarding one. As you know, Cascade Community Credit Union is a member-owned, “local-only” credit union, operating in Douglas County and serving our Douglas County neighbors. the benefit is a shared commonality and respect, as well as a unique neighbor-to-neighbor approach to service.

We can answer questions about your Cascade Community Credit Union account and help you understand the services we offer. the friendly representatives at MPX can assist you with merchant services that may be right for you. Contact an MPX representative at 541-543-8122 or 888-333-1374, or at merchantproexpress.com.

HOLiDAy cLOsures

We will be closed for business on the following holidays during the next quarter:

COLUMBUS DAY Monday, October 12th VeteRAN’S DAY Wednesday, November 11th tHANKSGIVING DAY thursday, November 26th CHRIStMAS DAY Friday, December 25th

NeW YeAR’S DAY Friday, January 1, 2016

But Remember!

You can access your account through: touch tone teller

440-9166 or 1-800-888-7365

Webteller/Mobileteller

www.cascadecu.org

Surcharge-free AtM access is available in 3 local locations:

• 1123 W Harvard Ave • 1871 NE Stephens (ESD parking lot)

• 531 E Central Ave (Sutherlin) Plus, you also have access to 30,000 Co-op

AtMS nationwide, including most 7-eleven stores. A complete directory of surcharge-free AtMs can be found on our website by clicking on the “AtM Locator” icon on our

home page.

Look inside our newsletter to see if your account

number is 1 of the 10 chosen this month and if you find it – jackpot! Call us and we’ll give you $20.

eASY MONeY

Garden valley branch

1070 NW Garden Valley Blvd, Roseburg OR 97471 Harvard branch 1123 West Harvard, Roseburg OR 97471 General information: (541) 672-9000 www.cascadecu.org

Founded in 1995, LiFetime investment|solutions provides professional investment management and financial planning services, through LPL Financial, to local individuals and businesses. We recognize each situation is unique, and strive to provide advice tailored to personal, financial, and market conditions. We also understand that trust is earned not given and focus on educating, managing, and helping our clients succeed regardless of market conditions.

LiFetime investment|solutions is powered by the resources of LPL Financial, the nation’s largest independent broker/dealer (based on total revenue as reported by Financial Planning magazine, June 1996-2015). this relationship provides us with unbiased research and a comprehensive array of tools, resources, and technology. Because LPL Financial has no proprietary products to sell, we have the freedom to offer clients objective financial guidance and investment recommendations based on their personal hopes, dreams, and aspirations.

We look forward to working with you.

* nOt ncuA insureD. nO creDit uniOn GuArAntee. mAy LOse vALue. securities and Advisory services offered through LPL Financial, a registered investment advisor. member FinrA/siPc. insurance products offered through LPL Financial or its licensed affiliates.

LIFetIMe INVeStMeNt

Joel Jellesed WeALtH ADVISOR

Zack Fuchs WeALtH ADVISOR