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 new Summit Checking account.1 Earning this rate is easy. Each month, simply:
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Have a direct deposit to your Summit Checking account of at least $500. |
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Make at least 12 debit purchases. |
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Be enrolled in eStatements. |
Plus, easily track your progress each month using the 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.
Open yours today to start climbing your way to the top!
GET AS LOW AS 5.95% APR WITH OUR HOME LOAN SPECIALS
We're extending our home loan specials!
Now through August 31, Cascade FCU is offering two home loan specials to help members save on their monthly mortgage payment.2
Refinance Special
Qualified applicants can get 5.99% APR with a NO-COST REFINANCE!3 That means no closing costs, no fees, and no expense to refinance your loan with us. Plus, if you have other debts, like a vehicle or other type of loan, you may be able to get cash out with your refinance to pay those off and save even more.
Purchase Special
Get a rate to celebrate! We are offering 5.95% APR4 on qualified home purchases.
Apply now or get a quote to see how much you could save.
TIPS FOR SUCCESSFUL BACK-TO-SCHOOL PLANNING
The start of a new school year can be an exciting time. Whether it’s the first day of elementary school or the transition to college, there is much to prepare for! However, back-to-school excitement brings back-to-school costs.
Join our partner GreenPath Financial Wellness on July 16 at 11 a.m. for tips to save on back-to-school costs and manage unexpected expenses. You'll learn how to financially prepare for the upcoming school year, from elementary school through college.
UPCOMING EVENT & HOLIDAY SCHEDULE
July 16:
11 a.m.
Tips for Successful Back-to-School Planning
September 1:
Closed for Labor Day
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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Those you refer earn $50 for joining and another $50
if they open a checking account or loan within 30 days.
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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
If you receive a text message from a shipping service like USPS, UPS, FedEx, or DHL, think twice before clicking the links. It could be a scam.
The Federal Trade Commission recently issued a warning about fraudulent text messages posing as popular shipping companies, stating something is wrong with your package and you need to click a link to fix the issue. Unfortunately, it’s a tactic to get you to act quickly and divulge information that you shouldn’t.
Here's what you need to know to avoid becoming a victim of this scam:
1. VERIFY INDEPENDENTLY. Have you received a suspicious text
about a delayed package for unpaid postage? What about a missed delivery? Don't click or reply. Instead, check the tracking information that
came directly from the retailer.
2. FILTER AND BLOCK. Your mobile carrier may have options to filter texts and calls that are likely spam. Check with yours. If a suspicious message comes through, forward it to SPAM (7726) and block the sender.
3. DON'T PROVIDE YOUR INFO. If you happen to click a link about a package, don't provide sensitive information, like your card number or
other financial information. They should never need to collect payment.
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.
HANDLING THE HEALTH INSURANCE
GAP
Americans seem upbeat about retirement, with more people preparing to retire at 70, according to the latest Employee Benefit Research Institute study. Sometimes, though, reality gets in the way: The same survey found that 40% retire earlier than they expected, and with 70% of those respondents, the choice was out of their hands.6
Do you know how you would handle your health insurance in that situation?
There are a few choices, but if you were to retire before you expected and lose your workplace coverage, you might need to make a quick decision.
If that ever happens to you, Cascade Investments & Retirement Wealth Advisor Mike Lin is the person to talk to. Even if you only have questions and want to know what avenues are available, he will happily discuss them with you anytime.
Contact Mike, Wealth Advisor, to schedule a complimentary, no-obligation appointment.7
MEMBERS-ONLY SWEEPSTAKES
CONGRATULATIONS TO JEFFREY H! Jeffrey is the 2025 first-quarter winner of $500 through our Members-Only Sweepstakes.
Jeffrey said, “Winning $500 in Cascade's quarterly sweepstakes
could not have been a happier and more unexpected surprise
for me. I've been saving to buy a house, pouring every spare
dollar I have into a Cascade certificate and money market
account. I'm 75% on my way to the total I'll need. With the $500 I
won, I'll be able to begin my house search a little bit sooner.”
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. 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.
1Fees 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. Since 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.
2All lending products are subject to credit and property approval. Additional eligibility requirements include becoming a Cascade FCU member, opening a checking account, and setting up direct deposit with an automatic payment to this mortgage. Terms, conditions, and interest rates are subject to change without notice. Certain restrictions may apply and may vary based on borrower qualification and collateral conditions. Application must be submitted by June 30, 2025, to take advantage of this offer. This is not a commitment to lend. Additional restrictions may apply. Cascade Federal Credit Union: 18020 80th Ave S Kent, WA 98032 | (425) 251.3600 | NMLS ID: 763352. 3Borrowers are still required to pay costs associated with prepaids and escrow. Refinancing an existing mortgage loan may cause the total finance charges to be higher over the life of the loan. Current loan must be titled six months before refinance closing date. Credit score must be at least 700 to be eligible for this offer. 4Credit score must be at least 680 to be eligible for this offer. Restrictions apply.
5Sponsored 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.
6EBRI.org, April 24, 2025.
7Securities 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:
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NOT INSURED BY NCUA OR
ANY OTHER GOVERNMENT
AGENCY
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NOT CREDIT UNION
GUARNTEED
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NOT CREDIT UNION
DEPOSITS OR OBLIGATIONS
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MAY LOSE VALUE
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