Summer 2014
Made in America
yields
Summer 2014
Who we are: Northwest Farm Credit Services is a customer-owned, financial services cooperative, providing more than $12 billion in credit, crop insurance, and related services to farmers, ranchers, agribusinesses, commercial fishermen, forest products producers, equipment dealers, chemical suppliers, part-time farmers, and country homeowners.
Board of Directors Karen Schott, Chair, Broadview, MT Dave Nisbet, Vice Chair, Bay Center, WA Rick Barnes, Callahan, CA Christy Burmeister-Smith, Newman Lake, WA Jim Farmer, Nyssa, OR Mark Gehring, Salem, OR Dave Hedlin, Mount Vernon, WA
FEATURE STORY > 3 The Carvers’ quest to find value-added products from the ranch’s wool has been epic, leading them to home-grown yarn, a new apparel line and the Sochi Winter Olympics.
John Helle, Dillon, MT Greg Hirai, Wendell, ID Herb Karst, Billings, MT Kevin Riel, Yakima, WA Nate Riggers, Nez Perce, ID Julie Shiflett, Spokane, WA Shawn Walters, Newdale, ID
About Yields Yields is produced for stockholders of Northwest FCS, an Agricultural Credit Association. Comments and story ideas can be sent to the Marketing Department, c/o Northwest FCS, P.O. Box 2515, Spokane, Washington 99220-2515.
What Hackers Don’t Want You To Know > 12 Field Gleaning to Fight Hunger > 13 Dr. Dave Kohl – The Value in Value Added > 15
website: northwestfcs.com
Northwest Farm Credit Services is an equal opportunity employer and does not discriminate on the basis of race, color, religion, sex, national origin, marital status, age, disability, disabled veteran, Vietnam era or other eligible veteran status.
Adding Value Phil DiPofi, President and CEO
In the Northwest we’ve seen an increasing movement by producers who are taking advantage of value-added opportunities and emerging markets. Consumers are looking for products grown locally and sustainably. As a result, we see a growing number of producers develop niche markets beyond traditional agriculture. More producers are finding ways to move one or two steps closer to the consumer. The successful producers we work with all started with a unique vision and position in the market. They started by honestly assessing their strengths and weaknesses. They’ve had the financial strength to take their business in a new direction and have accurately assessed the right time to enter the market. Most importantly, they’ve reached out to trusted advisors to help them avoid unanticipated pitfalls. New, value-added opportunities and interest by consumers in local foods have enticed many young people to return to agriculture or start new ventures. Coming back to the farm had become less attractive for the next generation because of the perceived overall risk and lack of opportunities. Young people opted for less risky and more lucrative alternatives off the farm. But, diversifying beyond traditional agriculture provides exciting opportunities for a new generation of entrepreneurs. Starting a value-added business or finding new marketing channels isn’t easy. But, the rewards can be substantial. Working with producers to ensure they’ve considered all the issues and evaluated all the risks is the value our staff brings as trusted advisors. We are excited to help these progressive producers prepare to lead agriculture into the future.
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Photo from Imperial Stock Ranch
Photo from Imperial Stock Ranch
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Photo from Imperial Stock Ranch
Imperial Stock Ranch and Anna Cohen have come together to create a line of designer women’s apparel made from wool grown on the Imperial Stock Ranch. From ranch to runway, the Imperial Collection bridges rural heritage and urban style, traditional craft and high fashion. Manufactured from start to finish in the USA, the Imperial Collection will be available in Fall 2014. 7 | Nor thwest Farm Credit Ser vices
Relationship Manager Jim Markman and the Carvers
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2014 Scholarship Recipients Northwest FCS is pleased to announce the winners of the 2014 Scholarship Program. 44 scholarships were given to sons and daughters of Northwest FCS customers and customers’ employees in Idaho, Montana, Oregon and Washington; eight high school students and three college students from each state were awarded $1,500 scholarships. Four employees’ students received $1,500 scholarships. Human Resources also awarded two minority and four land grant university scholarships worth $1,500 apiece.
College Winners
High School Winners
Washington
Washington
Hailey Bredeson Olympia, WA Christopher and Darla Bredeson Cedarville University
Michelle Holcomb
Seth Pratt
Oakland, OR Richard and Deborah Holcomb Oregon State University
Moscow, ID Mark and Wendy Pratt University of Idaho
Montana
Cody Anderson Othello, WA Duaine and Kathy Anderson Purdue University
Shawne Sweeney Ethan Dufault Mattawa, WA Peter and Susan Dufault Seattle Pacific University
Corvallis, OR Thomas and Pieper Sweeney Oregon State University
Bow, WA Dave and Ann Marie Lohman Oregon State University
Billings, MT Louis and Kathy Dubs University of Nebraska-Lincoln
Idaho
Jennifer Downen Abby Lohman
Allison Dubs
Moscow, ID Richard and Anne Marie Downen University of Idaho
Boyd Knopp Coulee City, WA Brian and Kristina Knopp Gonzaga University
Kathryn Riley Volborg, MT John and Julie Riley Montana State University
Carina LeFave Moses Lake, WA John and Diane LeFave Wenatchee Valley Community College
Oregon
Justice Evers Natessa Burrone
Moscow, ID Jerry and Brenda Evers University of Idaho
Chico, CA John Burrone 9 | Nor thwest Farm Credit Ser vices
Shanna Stanley Ledger, MT Thomas and Karin Roehm Great Falls College
Maxwell Mielke Davenport, WA Robert and Kristy Mielke Washington State University
Miranda Wesen
Katelyn Michaels
Emily Spang
Kearis Jensen
Bow, WA Mark and Barbara Wesen Pacific Lutheran University
Days Creek, OR Troy and Holly Michaels University of Northern Colorado
Wallowa, OR Derek and Julie Spang
Montpelier, ID Don and Laurel Jensen BYU-Idaho
Christopher Wiley
Benjamin Rietmann
Molly von Borstel
Raegan Martin
Prosser, WA Jason and Rachelle Wiley Washington State University
Condon, OR Thomas Rietmann & Katherine Cook Oregon State University
Athena, OR Brian and Debra von Borstel Treasure Valley Community College
Blackfoot, ID Travis and Darcie Martin BYU-Idaho
Idaho
Luke Williams
Matt Ruby
Tieton, WA Daniel Patrick and Vanessa Birdie Williams University of Washington
Visalia, CA Scott and Gina Ruby California Polytechnic State University
Allison Wolf
Wesley Russel
Chehalis, WA Jim Wolf and Aleta Beegle University of Washington
Emmett, ID Steven and Claudia Russel University of Idaho
Becca Smith Stephanie Becker Genessee, ID Steven and Nancy Becker Idaho State University
Hagerman, ID Ronnie and Sharlene Smith BYU-Idaho
Sleight Smith Julie Dunlop Boise, ID Dennis and Patricia Dunlop University of British Columbia
Rexburg, ID Robert and Ranae Smith Utah State University
Oregon
Rachel Webb
Denton Schooneker Shauna McKee Amity, OR Bruce and Sandra McKee University of Portland
Culver, OR Kurt and Katy Schooneker Blue Mountain Community College
Kylan Feld Aberdeen, ID Conan and Jodie Feld University of Idaho
Declo, ID Scott and Becky Webb Utah State University
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Employee Scholarship
Montana
Kourtney Coverdell Fairfield, MT Mark and Debra Coverdell Montana Tech
Sadie Reddick
Amanda Wiley
Belgrade, MT Daniel and Veloy Reddick
Musselshell, MT Scott and Kathy Wiley Montana State University
Luke Coomer Baker City, OR Mark and Beverly Coomer Linn Benton Community College
Alyssa Riley Pari Iverson Winnett, MT Craig and Leslie Iverson
Volborg, MT Micheal and Marjorie Riley Montana State University
Frank “Patxi” Larrocea-Phillips Meridian, ID Flip and Susi Larrocea-Phillips University of Idaho
Caitlin Schoessler
Diversity Scholarship
Ritzville, WA Stacey Schoessler Washington State University
Ella See Tanner Jensen Philipsburg, MT Mark and Gaylene Jensen Casper College
Layne Johnson Froid, MT Floyd and Tana Johnson Montana State University
Danielle Jones Laurel, MT Gerald and Kathleen Jones Montana State University
Opheim, MT Ted and Karen See Montana State University
Land Grant University Scholarship
Monica Farfan Paul, ID Javier and Francis Farfan Utah State University
Dalyn Killian Ritzville, WA Gordon and Lisa Killian BYU- Idaho
Theresa O’ Leary Paisley, OR Mike and Mary O’ Leary Oregon State University
Kristin Wedam Sunnyside, WA Michael and Susan Wedam Washington State University
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Margarita Contreras Rupert, ID Rogelio and Margarita Contreras University of Idaho
Brooke Jardine Nampa, ID Kathy Jardine Boise State University
Secure Communication What Hackers Don’t Want You to Know Communication, banking and shopping have been revolutionized through advances in technology. However, the convenience that technology provides does not come without risk. Cybercriminals have advanced their abilities to infiltrate cybersecurity defenses. Recently, a Northwest FCS employee received an urgent wire transfer request from a customer’s verified email address. But, something didn’t seem right. The employee called the customer who was shocked to learn the email had been sent from their account. The customer’s email system was hacked and the hacker had the ability to control what emails came into their inbox and what would appear as sent. In this case, a security breach was prevented by our employee who called to verify the transaction. This situation is why Northwest FCS uses secure email for sending and receiving your sensitive information. Emails sent through normal channels are not secure, similar to mailing a postcard, which can be read by anyone during the stops it makes along the way. Emails make several stops before they land in your inbox and they’re stored in each location. Logging into a secure system to retrieve information eliminates the risk of cybercriminals intercepting your sensitive communications. Secure communications are not just limited to emails. At Northwest FCS we also follow secure communication practices when responding to phone calls and text messages. You may be asked additional questions to verify your identity before any requests are processed. Or, you may be called back using the phone number we have on record to verify the request. Secure communication is something to be expected when sensitive information is involved. How do you know when something should be communicated securely? As a general rule of thumb, if you don’t want the information shared publicly, then it is best communicated securely.
5 Common Mistakes Hackers Hope You Make • • • • •
Using the same password for multiple accounts Using weak or no wireless security on your wireless network Responding to pop-up messages and/or unsolicited emails Not updating your operating system or anti-virus software Disabling security features such as a firewall
Top 5 Things Never to Share Online Confidential Information About your Identity This includes your address, phone number, social security number and birth date. Don’t share this information about other family members or friends either. Financial Information Keep bank account numbers, loans and credit card information confidential. It’s generally safe to use online banking and make
purchases with credit cards on reputable sites, but make sure the website address includes “https” which means there is extra security. Your Schedule Don’t advertise that your house or office will be empty for a week while you’re on vacation. Be careful about posting where you’re going during the course of the day. Work Information Be cautious about posting information about events at work. You don’t want to reveal confidential information about your company or customers. Passwords or Information that Could be Clues to Your
Password Don’t post passwords online. Make sure you’re not posting information that could allow a scammer to figure out your password. Think about the security questions you’re asked and make sure the information stays private. Don’t use your birthdate or other telling information in your email address.
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Field Gleaning to Fight Hunger Today, millions of Americans are struggling with hunger. Nationally, and across the Northwest, one in six people are either hungry, or at risk for hunger. One in three of these are children. An estimated three million rural households are food insecure in communities that typically have smaller food banks and less capacity to distribute fresh, perishable product. Recovering unmarketable, but otherwise safe and nutritious food for those in need has been a part of society for centuries. Gleaning, the practice of recovering food left behind from harvested fields or fields that are not economically profitable to harvest, has been around since biblical times and practiced by countries around the world. Today, gleaning organizations across the Northwest are partnering with growers to provide fresh produce to those in need. Most gleaning models are charity-based, non-profit organizations with liability insurance in place. Field gleaning volunteers typically undergo training on food safety and grower-guided techniques for harvesting. The majority of organizations require volunteers to sign liability waivers to protect growers and the organization. Growers also receive certain protections under the federal Bill Emerson Good Samaritan Food Donation Act. Gleaning models vary depending on the communities they serve. Linn Benton Food Share in Oregon encourages ablebodied, low-income volunteers to gather crops that will be shared equally among themselves and adoptees (income eligible volunteers unable to physically glean themselves). Other non-profit organizations, like Fields of Grace in Tri-Cities, Wash., recruits and trains volunteers who glean for Second Harvest to distribute to area food banks. “Gleaning can take many forms,” says Benjamin Rasmus, Rotary First Harvest Program Coordinator for Harvest Against Hunger in Seattle. “A lot of farmers donate outright before harvest. Others give during or after harvest through field gleaning programs. We’ve even been called to glean 10,000 lbs. of potatoes from an overturned semi-truck. Farmers don’t want to see what they’ve worked so hard to produce go to waste when they can provide hunger relief to those who need it.”
To find a gleaning project near you contact: Rotary First Harvest at 206-236-0408 or Gleaning@FirstHarvest.org 13 | Nor thwest Farm Credit Ser vices
Field Gleaning and Crop Insurance The Federal Crop Insurance Corporation understands the importance of gleaning or “food recovery” and encourages growers to donate crops they are unable to sell. The Risk Management Agency defines field gleaning as: “The collection of crops from farmers’ fields that have already been harvested or fields where it is not economically profitable to harvest. This term can also be used to describe the donation of agricultural products that have already been harvested and are being stored at a farm or packing house.” If you are donating crops that are also being claimed for insurance purposes, here are some important things to consider.
Welcome New Board Members Nate Riggers and Greg Hirai were elected to the Northwest FCS Board of Directors in March. Each will serve a five-year term. Nate Riggers owns and operates a dry land wheat, barley, canola
• Be sure to coordinate with your crop insurance agent and approved insurance provider (claims adjuster) before harvesting for charity or allowing gleaning within your field or orchard.
and grass seed farm with his brother in Nez Perce, Idaho. Nate has been a Northwest FCS
• Gleaning is allowed on harvested production that has been declared by the approved insurance provider (claims adjuster) as having a zero market value and is required to be destroyed.
customer for 19 years, serving most recently on the Local Advisory
• No compensation can be received for the value of the gleaned crop. Compensation for non-crop items of the gleaned crop (services, labor, state or federal tax credits, reasonable reimbursement to insured for harvest and/or transportation) will not count as compensation as long as:
Committee. He is president of the Nez Perce Prairie Grass Growers Association, a Leadership Idaho Agriculture board of trustee, member and past president of the Association of Agriculture Production Executives (AAPEX)
- The qualified charitable organization indicates in writing the amount and purpose of any compensation solely for reimbursement of harvest and/or transportation costs incurred by the insured, and:
and a Lewis County FSA county committee member.
- The insured certifies in writing that the compensation is solely for harvest and/or transportation costs, by providing an invoice and receipt.
operates Hirai Farms
Greg Hirai owns and LLC, a 4500-acre farm in Wendell, Idaho. Hirai
• The FCIC will allow gleaning on crop acreage that has been harvested as long as any remaining crop production on the harvested acreage cannot be harvested using normal harvest methods.
Farms produces five different varieties of potatoes for processing as well as corn, alfalfa and
• For the purposes of crops with an insurance claim, the FCIC will only allow gleaning when the crop has been gleaned by a legitimate 501(c)(3) charitable organization and the insured has not received compensation for the donated crop.
Gleaning is strongly encouraged by Northwest FCS and FCIC as a wise use of resources. However, it is vitally important to understand correct procedures so your crop insurance claim is not negatively impacted. Contact your crop insurance agent and claims adjuster to ensure the correct steps are taken.
triticale as feed for local dairies. Hirai has been a Northwest FCS customer for 16 years. He currently serves as a board member for the North Side Canal Company and is a board member and chairman of the Lower Snake River Aquifer Recharge District. Previously he served eight years as a committee member of the GoodingCamas Farm Service Agency.
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The Value in Value Added Dr. David Kohl Professor Emeritus, Virginia Tech
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Retail shopping available at the creamery.
Dave with two young customers.
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Affordable Care Act Webinars and Webinar Recordings Leading experts share their insights on the Affordable Care Act and its impact on agricultural employers. Register for these free one-hour webinars at Northwestfcs.com/Resources. These web-based programs provide an opportunity for real-time question-and-answer sessions from the comfort of your computer. Large Business (>50 Employees): Affordable Care Act Compliance Presenter:
Heidi Alessi, K&L Gates
Date:
June 27, 2014 at 11:00 am (PT)
Overview:
Details of the ACA important to owners and managers of businesses with more than 50 employees. Topics to include key deadlines, penalties, effective strategies to minimize costs, considerations for seasonal/ part-time employees, accurate employee number counts, risks for litigation and future considerations.
Register:
northwestfcs.com/Resources
Unable to participate in the webinar? Visit northwestfcs.com/Resources to view recent recordings including: Small and Medium-Sized Business (<50 Employees): Affordable Care Act Compliance Presenter:
Angi Shamblin, Red & Associates
Overview:
Details of the ACA important to owners and managers of businesses with less than 50 employees. Topics to include key deadlines, penalties, effective strategies to minimize costs, considerations for seasonal/ part-time employees, accurate employee number counts, risks for litigation and future considerations.
Health Care Overview and Policy Update Presenter:
Dr. Roger Stark, Washington Policy Center
Overview:
A ’60,000 foot’ overview of the ACA from a general policy standpoint, helping participants understand how the new law affects business, key general questions business leaders should ask and the trajectory of future policy changes.
Rural Community Grant Program Northwest FCS is looking for ways to help our customers address challenges and opportunities in rural communities. The Rural Community Grant Program provides funding to enhance a community’s infrastructure, viability or prosperity through efforts such as building or improving facilities, purchasing equipment and funding capital improvements. Application Deadlines: February 1 and October 1 every year For more information or to complete the online application:
www.northwestfcs.com/ruralgrants Questions? Contact Jennifer Rohrer 800.743.2125 Jennifer.Rohrer@northwestfcs.com
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Northwest FCS Idaho Falls Staff present the West Jefferson High School Ag Department a $2,500 Rural Grant to buy a welder.
Northwest FCS Relationship Manager Scott Pogh presents members of the Big Timber Community Food bank with a $2,500 Rural Community Grant.
local
advisors and locations
IDAHO Robert Ball Cody Bingham Jeff Blanksma, Jr. Adrian Boer Ray Carlson Connie Christensen Cade Crapo Ron Elkin Carl Ellsworth Bruce Foster David Funk LeRoy Funk Brent Griffin Jackie Hillman Brian Huettig Ken Koompin Brent Lott Karen Lustig Marty Lux Dan Mader Ray Matsuura Kyle Meyer Ron Mio Greg Moss Kirk Nickerson Lisa Patterson Greg Payne Erick Peterson Royce Schwenkfelder Kirt Schwieder Scott Searle Todd Simmons Robert Swainston Ryan Telford Bernie Teunissen Dale Thomas Camellia Thurgood Justin Tindall Ritchey Toevs Steven Toone James Udy Todd Webb Shane Webster Matt Wolff
MONTANA Hamer Jerome Hammett Jerome Blackfoot Blackfoot St. Anthony Buhl Leadore Aberdeen Hansen Burley Rupert Dubois Hazelton American Falls Idaho Falls Cottonwood Nezperce Genesee Blackfoot Rathdrum Fruitland Ketchum Howe Heyburn Caldwell Moscow Cambridge Idaho Falls Shelley Terreton Preston Richfield Caldwell Gooding Nampa Bruneau Aberdeen Grace American Falls Declo Rexburg Boise
73 Fort Hall Avenue, Suite A American Falls, Idaho 83211 (208) 226-1340 370 North Meridian Street, Suite A Blackfoot, Idaho 83221 (208) 782-3800 1408 Pomerelle Avenue, Suite B Burley, Idaho 83318 (208) 678-6650 501 King Street Cottonwood, Idaho 83522 (208) 962-2280 2225 West Broadway, Suite A Idaho Falls, Idaho 83402 (208) 552-2300 2631 Nez Perce Drive, Suite 201 Lewiston, Idaho 83501 (208) 799-4800 16034 Equine Drive Nampa, Idaho 83687 (208) 468-1600 102 North State, Suite 2 Preston, Idaho 83263 (208) 852-2145 1036 Erikson Drive Rexburg, Idaho 83440 (208) 656-2100 815 North College Road Twin Falls, Idaho 83301 (208) 732-1000
Les Arthun David Bell Bill Bergin Mark Bergstrom Adam Billmayer Bart Bitz Ryan Bogar Keven Bradley Sandy Carey Tom Cheetham Calvin Danreuther Nels DeBruycker Vicki Eggebrecht Warren Flynn Conni French Joe Fretheim Scott Glasscock Beth Granger Greg Grove Chad Hansen Craig Henke Courtney Herzog Dale Hirsch Craig Iverson Alan Klempel Steve Lackman Tim Lake Bryan Mussard Corie Mydland Ken Olson Tracey Pearce Robert Peterson Trudi Peterson Shawn Rettig Dave Sattoriva Nancy Schlepp Kim Skinner Carmie Steffes Steve Swank Kurt Swanson Duane Talcott Dale Tarum Bob Taylor Kelly Toavs Mark Tombre Miles Torske Brian Tutvedt Larry Tveit, Jr. Bruce Udelhoven Mike Wallewein Steve Wood
1001 West Oak Farm Credit Building, Suite 200 Bozeman, Montana 59772 (406) 556-7300 519 South Main Conrad, Montana 59425 (406) 278-4600 134 East Reeder Street Dillon, Montana 59725 (406) 683-1200 501 First Avenue South Glasgow, Montana 59230 (406) 228-3900 700 River Drive South Great Falls, Montana 59405 (406) 268-2200 1705 Highway 2 Northwest, Suite A Havre, Montana 59501 (406) 265-7878
502 South Haynes Miles City, Montana 59301 (406) 233-3100 3021 Palmer Street, Suite B Missoula, Montana 59808 (406) 532-4900
P.O. Box 2515, 1700 S. Assembly St. Spokane, Washington 99220-2515 509.340.5300 | northwestfcs.com
OREGON Wilsall Great Falls Melstone Brady Hogeland Big Sandy Vida Cut Bank Boulder Redstone Loma Choteau Malta Townsend Malta Shelby Angela Great Falls Moccasin Dillon Chester Rapelje Kinsey Winnett Bloomfield Forsyth Polson Dillon Joliet Richey Sheridan Hobson Judith Gap Rudyard Hingham Ringling Hall Plevna Chinook Valier Hammond Richland Denton Wolf Point Savage Hardin Kalispell Fairview Winifred Conrad Sheridan
Tech Plaza, Building 1, Suite 300 3490 Gabel Road Billings, Montana 59108 (406) 651-1670
120 Wunderlin Street, Suite 6 Lewistown, Montana 59457 (406) 538-7737
Headquarters
Monet Allen Reed Anderson Roben Arnoldus Glenn Barrett John Boyer Greg Brink Ron Brown George Bussmann Warren Chamberlain Jason Chapman Tim Dahle Dan Dawson Mike DeWall Susan Doverspike Rod Fessler Tom Fessler Joe Finegan Bruce Ford Javier Goirigolzarri Dennis Harmon Matt Insko Kenneth Jensen Kyle Kenagy Jeremy Kennel Alan Keudell David Kunkel Leland Lage Dan C. Lewis Sharon Livingston Bill Martin Scott McClaran Ron Meyer Greg Myers David Neal Mary Olson Larry Parker Alan Parks Amy Doerfler Phelan John Reerslev Stephen Roth Shannon Rust Marc Staunton Anna Sullivan Steve Walker Eric White
WASHINGTON Montague, CA Brownsville Cove Bonanza Haines Joseph Milton-Freewater Sixes Vale Klamath Falls The Dalles Roseburg Harrisburg Burns Madras Mt. Angel Cornelius Hermiston Roseburg Grants Pass LaGrande Vale Roseburg Monmouth Aumsville Portland Hood River Gaston Mt. Vernon Rufus Joseph Talent Tillamook Tangent Monmouth Helix Silver Lake Aumsville Junction City Brothers Echo Merrill Hereford Stanfield Nyssa
3370 10th Street, Suite B Baker City, Oregon 97814 (541) 524-2920 2345 N.W. Amberbrook Drive, Suite 100 Beaverton, Oregon 97006 (503) 844-7920 650 E. Pine, Suite 106A Central Point, Oregon 97502 (541) 665-6100 2911 Tennyson Avenue, Suite 301 Eugene, Oregon 97408 (541) 685-6140 300 Klamath Avenue, Suite 200 Klamath Falls, Oregon 97601 (541) 850-7500 378 West Idaho Avenue Ontario, Oregon 97914 (541) 823-2660 12 Southwest Nye Pendleton, Oregon 97801 (541) 278-3300 3113 S. Highway 97, Suite 100 Redmond, Oregon 97756 (541) 504-3500 2222 Northwest Kline Street Roseburg, Oregon 97471 (541) 464-6700 650 Hawthorne Ave. S.E., Suite 210 Salem, Oregon 97301 (503) 373-3000 3591 Klindt Drive, Suite 110 The Dalles, Oregon 97058 (541) 298-3400
Dave Allan Jeff Bosma Russ Byerley Roger Canfield Bill Clark Mike Cobb Bill denHoed Richard DeRuwe Frank DeVries Scott Eschbach Patrick Escure Kevin Filbrun Stacy Gilmore Alan Groff Lori Hayles Jim Kile Cris Kincaid Jim Klaustermeyer Dave Klaveano Tristan Klesick Chris Kontos Steve Krupke David Lange Josh Lawrence Poppie Mantone Dan McKay Alan Mesman John Miller Pat Murphy Jeff Raap Sara Rolfs Jason Salvo Derek Schafer Jeff Schilter Danielle Scrupps Ben Smith Jerry Smith Lori Stonecipher Mark Tudor Jake Wardenaar Andy Werkhoven
Wapato Outlook Touchet Olympia Chelan Ephrata Grandview Dayton Lynden Yakima Quincy Pasco Pasco Wenatchee Pasco St. John Pullman Othello Pomeroy Stanwood Walla Walla Reardan Colfax Royal City Bingen Almira Mt. Vernon Toledo Chehalis Ellensburg Wenatchee Seattle Ritzville Olympia Ritzville Sequim Benton City Walla Walla Grandview Royal City Monroe
265 East George Hopper Road Burlington, Washington 98233 (360) 707-2353 629 South Market Boulevard Chehalis, Washington 98532 (360) 767-1100 224 North Main Colfax, Washington 99111 (509) 397-2840 1501 East Yonezawa Boulevard Moses Lake, Washington 98837 (509) 764-2700 455 East Hemlock Street, Suite D Othello, Washington 99344 (509) 488-2396 9530 Bedford Street Pasco, Washington 99301 (509) 542-3720 1223 Sheridan Avenue, Suite A Prosser, Washington 99350 (509) 786-6400 1900 W. Nickerson Street, Suite 215 Seattle, Washington 98119 (206) 691-2000 1515 S. Technology Blvd., Suite B Spokane, Washington 99224 (509) 340-5600 2735 Allen Road Sunnyside, Washington 98944 (509) 836-3080 1 West Pine Walla Walla, Washington 99362 (509) 525-2400 667 Grant Road, Suite 1 East Wenatchee, Washington 98802 (509) 665-2160 1360 North 16th Avenue Yakima, Washington 98902 (509) 225-3200
123 North Central Avenue Sidney, Montana 59270 (406) 433-3920
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P.O. Box 2515 Spokane, Washington 99220-2515 New address? Please notify your local Northwest FCS office.
CUSTOMER
Karen Schott - Northwest FCS Board Chair
OWNED. CUSTOMER DRIVEN.
Weâ&#x20AC;&#x2122;re a trusted financial services cooperative. As a customer owner, you have a voice and vote in how we do business. Plus, when we do well we share profits with you in the form of patronage. No bank does this. Learn more at northwestfcs.com or call 800.743.2125. Real Estate Financing Operating Lines of Credit Country Home & Lot Loans Crop Insurance