ROLL INTO BIGGER SAVINGS WITH 4.99% APR
Are you looking to save money and pay your debt down faster in 2025?
Transfer your balances to a Cascade FCU credit card to receive a low 4.99% APR through September 2025!1 Even better, we charge no balance transfer fee, making it easier than ever to consolidate your high-interest credit card balances and help you save even more.
To qualify, simply transfer your balances to our Cascade Rewards Visa® or Cascade Classic Visa® by March 31, 2025. Whether you want to simplify your finances or reduce your monthly payments, this offer is designed to help you achieve your financial goals. Don’t wait—the sooner you transfer your funds, the longer you can take advantage of this rate and maximize your savings!
ELECTION NOTICE AND BOARD OF DIRECTORS NOMINATIONS
As a Cascade Federal Credit Union member-owner, your vote counts in determining who makes up our Board of Directors. This year, the Nominating Committee nominates the following candidate to fill one expiring term for Board of Directors:
Natalie Dennis: Cascade FCU member since 1982 and member of the Board of Directors since 2012. Natalie joined the credit union though our Select Employer Group program. Natalie works for the Puyallup School District and also works part time for a family-owned business in the Auburn area.
Nominations for vacant or expiring terms for the Board of Directors can also be made by petition. Nominees must be at least 18 years of age and Cascade FCU members. To nominate a candidate, a petition signed by at least 108 Cascade FCU members must be submitted to the Nominating Committee no later than February 11, 2025. The petition shall be accompanied by the
following:
• A signed statement by the nominee stating agreement and willingness to serve if elected
• The nominee’s statement of qualification and biographical data
For additional information concerning nomination by petition, please contact Dona McDougal, Nominating Committee Chair, at Cascade FCU, 18020 80th Ave S, Kent, WA 98032.
Elections are conducted by mail ballot in accordance with Cascade FCU bylaws. No nominations from the floor are permitted at the annual meeting. If applicable, mail ballots will be sent to all eligible voters no later than February 21, 2025. If there is only one nominee for any vacant position, that position will be filled by acclamation at the annual meeting, set for March 22, 2025.
UPCOMING EVENT & HOLIDAY SCHEDULE
January 9:
Closed for the National Day of Mourning
January 20:
Closed for Martin Luther King Jr. Day
January 22:
Live Webinar: Pass Down Prosperity
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February 17:
Closed for Presidents Day
March 22:
2025 Annual Meeting
GIVE THE GIFT OF MEMBERSHIP
Giving the gift of membership is a win-win!
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You'll receive $50 for each person you refer who becomes a member. You can earn up to $500!
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The friends and family you refer will earn $50 just for joining and another $50 if they open a checking account or loan within their first 30 days of membership.
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You and those you refer will be entered into our quarterly Members-Only Sweepstakes2 for a chance to win $500!
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You and those you refer can take advantage of the benefits of being a Cascade FCU member.
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YOUR QUARTERLY FRAUD FOCUS
Donations play a crucial role when our communities face hardship or natural disaster. They provide essential support for relief efforts, helping to rebuild lives and restore hope. But with so many charities and fundraising sites out there, how can you ensure your generosity truly makes an impact?
The Federal Trade Commission has recently issued a warning about charity scams that have duped individuals into sending funds to fraudsters, not those in need of help.
Before donating, keep these tips in mind:
1. RESEARCH. Before donating to any cause, research the organization. Check their social media and sites like the Better Business Bureau and Charity Watch.
2. AVOID UNUSUAL PAYMENTS. Legitimate organizations will never
ask for donations in gift cards, cryptocurrency or wires. Insisting on cash donations is also a red flag.
3. BEWARE OF CROWDFUNDING. It's hard to verify legitimacy on
crowdfunding sites. If you choose this route, check to see whether the platform verifies requesters. Remember, donations made through these sites are usually not tax-deductible.
If you encounter a scam, remember to report it, even if you haven't lost money, to the FTC at ReportFraud@FTC.gov. For extra protection, we offer identity recovery services for as low as $2 per month.
PASS DOWN PROSPERITY
Passing down prosperity or generational wealth—money and assets passed down through families—is vital for a strong community. However, many barriers, including race, gender, and income, keep people caught in a cycle of debt, preventing them from creating a lasting financial legacy.
Join our partner GreenPath Financial Wellness on January 22 at 10 a.m. for an insightful webinar where you will learn how to make decisions to invest in yourself and the future generation to build a stronger financial future.
NEW YEAR'S RESOLUTION: REVIEW YOUR PORTFOLIO
Your strategy for long-term financial goals is not a one-time task. Life
changes. Goals change. Your financial portfolio must change too. Now’s the time to talk with your financial professional and review your portfolio to help ensure you’re on track to meet your retirement goals. You can expect to:
• Review your investment mix.
• Rebalance your portfolio to reflect any change in your goals.
• Create new benchmarks to help you monitor performance.
• Discuss the need for long-term care insurance if you don’t
already have it.
• Review your estate plan.
Reach out to schedule your New Year financial review.3
MEMBERS-ONLY SWEEPSTAKES
CONGRATULATIONS TO AJIT Y! Ajit is the 2024 third-quarter winner of $500 through our Members-Only Sweepstakes.
When asked how he would use the funds, Ajit said, "I will definitely use that money to buy a chandelier for our home. We procured a home equity line of credit from Cascade FCU to get our remodeling work done."
Each quarter, members who participated in our member referral program and/or used us for their lending needs are entered to win $500.2
How you can be entered into the sweepstakes:
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Join Cascade FCU. |
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Refer a friend or family member. When they join, you’ll both be entered. |
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Use Cascade FCU for your lending needs. When you get a loan, credit card or line of credit, you’ll be entered. |
Insured by NCUA. Equal housing opportunity. APY = annual percentage yield. APR = annual percentage rate. Yields and rates are subject to change. All loans, rates and terms are subject to credit approval, may change at any time and must meet Cascade Federal Credit Union lending policies.
1Balances can be transferred up to your established limit. Promotional balance transfers cannot be applied to any Cascade FCU loan. Balance transfers conducted and posted on or before March 31, 2025, will receive the promotional APR until the start of the September 30, 2025, billing cycle, at which point the standard APR will apply. As of December 1, 2024, APRs range from 12.40% to 18.00% for the Cascade Rewards Visa and 8.90% to 14.90% for the Cascade Classic Visa. Transactions that post after the promotion date, or if your account is in default, will either be declined or be charged the applicable nonpromotional terms (for example, APR and transaction fee) stated in your loan disclosures or any subsequent change in terms.
2Sponsored by Cascade Federal Credit Union, 18020 80th Ave S, Kent, WA 98032. Value of quarterly prize is $500. Odds of winning depend on number of entries received. Details and qualifications for participation in this promotion may apply. For additional details, please see CascadeFCU.org/SweepstakesRules.
3Non-deposit investment products and services are offered through CUSO Financial Services, LP. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and Registered Investment Advisor. Products offered through CFS are not NCUA/NCUSIF or otherwise federally insured; are not guarantees or obligations of the credit union; and may involve investment risk, including possible loss of principal. Investment Representatives are registered through CFS. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members.
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