GoodSense December 2010 Shop America offers online discounts & cash J ust in time for holiday shopping, top retailers are offering great discounts and cash back through Shop America, the online discount program offered exclusively for credit union members. Visit www.lovemycreditunion.org for deals on the products and services you use everyday: Enjoy discounts at over 1,200 online retailers, including some of the largest and most popular • GM vehicles • FTD like Target, Macy’s or Best Buy. Plus, every time you earn $10 or more in cash back from your • Sprint • CU Benefits Express purchases, you’ll receive a check as a thank you! • DIRECTV • Allied Van Lines It’s a season of savings when you Shop America for all your holiday giving! • CompleteTax • More! Visit www.LoveMyCreditUnion.org to start shopping. Columbia surprises Clark County with Making Life Better moments traveled around Clark County hosting surprise Better” is one of Columbia’s core values, so this is Making Life Better moments. a great way to spread the word about Columbia We kicked things off in Ridgefield where 200 and make a difference in someone’s day.” drivers drove away with free gas. If you caught the You never know when we’ll be out in the news that night, you might have seen our giveaway community with our next Making Life Better featured on Fox News 12. We followed up with moment. To catch our next moment, be sure to more gas giveaways, free lattes, pizza, frozen visit TheBetterMove.com to see when we’ll be in yogurt, free groceries and even haircuts! your neighborhood making life a little bit better. Assistant Branch Manager, Chihomi Idera surprises a driver with a free gas voucher. “A lot of people are feeling the challenges of our economy right now,” said ColumbiaVP of Corporate Move your money. D uring the months of October and November, Columbia Credit Union staff Social Responsibility, Laurie Kusch. “Making Life Snag some cash. Join us in helping local families Drop off your donations before Dec. 11th Columbia is holding a donation drive to help local families this holiday season. The public is invited • Plus-size clothing for men, women and young ladies $ 250 greenback s to join us in supporting Share, which serves Yours when you refi or open a new • Hats, gloves, scarves and socks the hungry and homeless and The Children’s qualifying Columbia loan* Center, which provides mental health services • Sports equipment such as soccer balls, basketballs, pumps, bike helmets, etc.) for children. 500 • Backpacks Requested items include: • New, large stuffed animals (sized to fit or cover a young child’s lap) • Wrapping paper, ribbon, and tape For a complete list of needed items, visit our $ s Smackaroo • Personal hygiene items such as toilet paper, website, under the “About Us” tab. deodorant and tooth brushes Yours when you refi or open a new Columbia Credit Union wishes you a joyous holiday season! qualifying Columbia Mortgage* *$250 Loan Open qualifying Columbia consumer loan by 12/31/10 of $15,000 or more. Lines-of-Credit require advances totaling $15,000 within the Review Period (three statement cycles including the month the loan was opened). Must have an Active* checking under the same account number as your loan and loan must not be delinquent For details visit by the last day of the Review Period. Columbia indirect vehicle loans excluded. $500 Mortgage: Reward when you fund a new Columbia first mortgage or refinance from another financial institution by 12/31/10 and have an Active* checking by the end of the Review Period (three statement cycles including the month mortgage was funded). Must have an Active checking under the same membership account number and mortgage cannot be delinquent. *Active checking is 1) enroll in free e-statements; 2) TheBetterMove.com make at least two (2) deposits of at least $100 each; 3) make at least six (6) debit card purchases; 4) enroll in free Personal Online Banking and Bill Pay and pay at least two bills; 5) checking is not overdrawn. All offers: Limited time offer. Must be 18 or older. Award(s) will be deposited into your checking the month after the Review Period. Trusts, business, Columbia employees and Volunteers not eligible. Loans subject to approval. EQUAL HOUSING OPPORTUNITY 360.891.4000 www.ColumbiacCU.org Follow us on Twitter: @ColumbiaCU Federally insured by the NCUA. Help shape Columbia’s future – volunteer! MoreGooD Applications due December 31, 2010 News Active, enthusiastic volunteers are needed to represent the membership. Make a difference by applying for nomination as a Director or Supervisory Committee member in this year’s Volunteer elections. Members age 18 and older as of December 31, 2010 are welcome to apply for nomination. Free Financial Workshops Three Board Director positions and one Supervisory Committee position will be filled for three year Retirement Income terms. Cascade Park ....... Dec. 8 ........7-8 p.m. Mark your calendars Register today at www.columbiacu.org Applications are now available online and at all branches. The deadline to submit your under the Money Management tab. application is December 31, 2010. Please see application for additional information or contact Colleen Boccia, Senior Vice President Marketing and Chief Deposit Officer at 360.619.3051 or firstname.lastname@example.org. Change your contact info? If you’ve changed your address, email or The voting date of record for eligible voters is December 31, 2010. Election results will be phone number, be sure to let us know. Don’t announced at the Annual Meeting on Monday April 26, 2011. rely on the change of address you may have filed with the post office. To protect your financial privacy, we can’t accept third-party information changes on your account. It’s the season for IRA savings Required IRA Withdrawal If you own a Traditional IRA and turn 70½ or I older this year, you are required by the IRS to take f you’re wrapping up your finances for the year distributions from a Roth IRA, don’t delay in a Required Minimum Distribution (RMD). The and haven’t contributed to your Traditional providing for your financial future. The earlier in deadline to take this is Dec. 31, 2010. Read more or Roth IRA yet, remember you have until April the year you fund your IRA, the more time you online at the IRA service center. 15, 2011 to do so. For the 2010 tax year, you give your account the opportunity to grow. can contribute up to $5,000; if you are over age Columbia offers a variety of investment options In your community 50 you may make an additional $1,000 catch up for both Traditional and Roth IRA contributions. contribution. To find more information or to open your Visit the community calendar under our website’s “About Us” tab to learn more! Both the Traditional and Roth IRA offer tax- accounts online, click “IRAs” under the Personal deferred benefits. Whether you prefer the tax tab on our website. • Fort Vancouver Library Foundation’s deductibility of the Traditional IRA or the tax-free Authors & Illustrators Dinner & Silent Auction – December 14 www.columbiacu.org & RewardsPLUS Columbia observed Holidays Money Market SM All locations will be closed free checking Friday, December 24 Closing at 3 p.m. Receive a Saturday, December 25 FREE 2011 ENTERTAINMENT BOOK when you have both! Closed Christmas Day Friday, December 31 Save on dining, lodging and entertainment Closing at 3 p.m. all year with the Entertainment Book. Saturday, January 1 Closed New Year’s Day Local 360.891.4000 Toll free 800.699.4009 Portland 503.285.4521 24/7 phone access 360.891.1234 Locations: Battle Ground • Cascade Park • Downtown • EastRidge • Fourth Plain • Grand Central Hazel Dell • Orchards • Ridgefield • Riverstone • Salmon Creek • Washougal This newsletter is printed on 100% recycled paper, made with 100% renewable energy, including wind, solar, hydropower and biomass.