MAKE THIS SEASON MERRY AND BRIGHT
Cascade FCU has you covered this holiday season.
With rates as low as 8.95% APR1 and terms up to 72 months, you can cover all the costs of the season without the worry. Funds are transferred into your Cascade FCU checking account so you can use them for whatever comes
up throughout the season, from gifts and holiday travel to debt consolidation and emergency expenses.
Apply for a holiday loan today to make the season hassle-free.
EARN 5.00% APY WITH SUMMIT CHECKING
That's right! You can get 5.00% APY on up to $5,000 with Cascade FCU's Summit Checking account.3
Earning this rate is easy. Each month, simply:
| • |
|
Have a direct deposit to your Summit Checking account of at least $500. |
| • |
|
Make at least 12 debit purchases. |
| • |
|
Be enrolled in eStatements. |
Plus, we make tracking your progress each month simple with the Summit Checking tracker available in online and mobile banking. It will tell you how close you are to meeting your qualifications or congratulate you if you've
already reached the peak.
SPREAD JOY AND SAVE MONEY
The holidays are often known as “the most wonderful time of the year” and are also the most expensive! Join our partner GreenPath on October 15 at 11 a.m. for a helpful webinar on preparing you for the upcoming holiday season by reducing your stress and increasing your holiday savings.
This webinar will provide you with helpful financial tools and tips that can help reduce your holiday spending, guidance on how to plan your holiday budget and stick to it, and strategies for managing the holiday stress.
UPCOMING EVENT & HOLIDAY SCHEDULE
October 13:
Closed for Indigenous Peoples Day
October 15:
Live Webinar: Spread Joy and Save Money
November 11:
Closed for Veterans Day
November 26:
Closing at 2 p.m. for Thanksgiving Eve
November 27:
Closed for Thanksgiving
December 24:
Closing at 2 p.m. for Christmas Eve
December 25:
Closed for Christmas
January 1:
Closed for New Year's Day
GIVE THE GIFT OF MEMBERSHIP
Giving the gift of membership is a win-win!
|
►
|
You'll receive $50 for each person you refer who becomes a member. You can earn up to $500!
|
|
►
|
Those you refer earn $50 for joining and another $50
if they open a checking account or loan within 30 days.
|
|
►
|
You and those you refer will be entered into our quarterly Members-Only Sweepstakes4 for a chance to win $500!
|
|
►
|
You and those you refer can take advantage of the benefits of being a Cascade FCU member.
|
![](data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" width="175" height="63"><rect fill-opacity="0"/></svg>)
YOUR QUARTERLY FRAUD FOCUS
If you’re thinking of moving, be cautious of rental scams, especially if you're starting your search online.
Here's what you need to know to avoid becoming a victim of this scam:
1. VIEW IT IN PERSON. Scammers will often post fake or unavailable listings. When you search online for rentals, always see the rental in person before providing a payment.
2. AVOID UNUSUAL PAYMENT. A legitimate rental company or landlord won't request payment in cryptocurrency, wire transfers, or gift cards. These options offer little recourse in recovering funds when scammed.
3. LOOK FOR HIDDEN FEES. Review the terms of a potential lease
carefully to ensure the price you're given includes all monthly charges and
fees. Check the fine print, any included links, and footnotes. Ask the agent or landlord to clearly state all costs and fees in writing.
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.
LOOKING AHEAD IS PART OF YEAR-END PLANNING
You and your financial professional want your year-end planning conversation to adjust your long-term retirement planning. But you also want to discuss any changes you anticipate in the coming year.
|
•
|
|
Are you planning a major expense? From funding a renovation to paying tuition, these decisions impact your long-term plan.
|
| • |
|
Have there been changes to your or a loved one's health? If a health issue is top of mind, you may consider shifting your plan to include long-term care funding or saving more for healthcare.
|
| • |
|
Is a child moving off your healthcare policy? Most employee-sponsored
health plans let you cover a child until they turn 26. Will you need to adjust your plan if you no longer cover a child?
|
And perhaps the biggest change you might be considering in the coming year: Will you retire?
Now’s the time to look ahead with a financial professional and balance your retirement strategy with upcoming life changes.
Contact Mike, Wealth Advisor, to schedule a complimentary, no-obligation appointment.5
MEMBERS-ONLY SWEEPSTAKES
CONGRATULATIONS TO TIM S! Tim is the 2025 second-quarter winner of $500 through our Members-Only Sweepstakes.
Tim said, “My parents opened up a checking account for me in
the early 1980s. I have maintained my membership for over 40
years now because the employees are so helpful and kind. My
transactions are always quickly completed, and my questions are
always answered. Now, I have opened accounts for my own kids
to help them learn about personal finance. The Rocky Racoon
and Money 101 accounts are great! Thank you CFCU!”
Each quarter, members who participated in our member referral program and/or used us for their lending needs are entered to win $500.4
How you can be entered into the sweepstakes:
| ► |
Join Cascade FCU. |
| ► |
Refer a friend or family member. When they join, you’ll both be entered. |
| ► |
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. 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.
1APR is based on a term of 48 months. The holiday loan is an unsecured personal loan.
2By participating in our FCU's Skip-A-Payment program, you understand and agree that by skipping a payment, your final loan payment will be extended and interest will continue to accrue on your unpaid balance. For credit card purchases, interest will be charged to your account from the purchase date, because the purchase balance will not be paid in full by the deferred interest period/due date. You also authorize us to debit a $25 fee per skipped loan from your Cascade FCU checking or savings account indicated. The fee may not be added to the loan. Not all loan types qualify. Loans that are delinquent or in bankruptcy are not eligible. Cascade FCU reserves the right to deny any Skip-A-Payment request. If you are not approved, you will be notified. You are responsible for late fees or payments if your request is denied or unable to be processed. Maximum of two Skip-A-Payments per rolling 365 days. Form must be signed by member to be valid. GAP or warranty coverage will not extend beyond the original maturity date. If you have an automatic payment scheduled, you will need to cancel it prior to its arrival. This can take several days depending on where your payment originates.
3Fees may reduce earnings. Only one Summit Checking is permitted per Social Security number. A $50 deposit is required to open, but no minimum monthly balance is required. The Summit Checking will earn a 5.00% APY on balances up to $5,000 if qualifications are met, which are: a minimum of 12 debit card transactions of at least $5 each that must post by month-end, active eStatement enrollment, and one direct deposit of at least $500 each month. If qualifications are not met, account will earn 0.00% APY. Balances over $5,000 will also earn 0.00% APY. Monthly statements show the Annual Percentage Yield Earned (APYE), which may differ from the account's stated APY. Because dividends are only earned on the first $5,000 of qualifying balances, the APYE reflects a blended rate of 5.00% APY and 0.00% APY. Factors like account open days, deposits, and withdrawals impact the APYE. As your balance exceeds $5,000, the APYE decreases due to the blended rate.
4Sponsored 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.
5Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Cascade Federal Credit Union and Cascade Investments & Retirement are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Cascade Investments & Retirement, and are employees of LPL. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Cascade Federal Credit Union or Cascade Investments or Retirement. Cascade Investments & Retirement is not registered as a broker-dealer or investment advisor. Securities and insurance offered through LPL or its affiliates are:
|
NOT INSURED BY NCUA OR
ANY OTHER GOVERNMENT
AGENCY
|
NOT CREDIT UNION
GUARNTEED
|
NOT CREDIT UNION
DEPOSITS OR OBLIGATIONS
|
MAY LOSE VALUE
|
|
|
|
|
