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					           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
    colleenb@columbiacu.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.

				
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