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Start Now: Key Terms for Young Adults Beginning their Financial Education

By: Kirstin Wilson06.23.22 Education
For most young adults at the beginning of their financial wellness journey, the phrase “start right now” can be intimidating and can leave you wondering, “Where do I start?” Before you jump into a world of potentially unfamiliar financial products and plans, let’s look at the most relevant terms you’ll need to know before you kickstart your financial independence.

Here’s How Credit Card Interest Is Calculated

By: Holly Benedetto06.16.22 Credit
Credit card interest is often talked about, but not always understood. Despite the number of people who keep a credit card (or several) in their wallet, not everyone can explain the math that goes on behind the scenes. Understanding how your monetary tools work is an important part of financial literacy, which is why in this article, we’ll break down credit card interest into basic dollars and cents.

Should You Buy or Lease Your Next Car?

By: American Heritage06.09.22 Auto
Along with buying a house, getting an education, and starting a family, choosing a vehicle is one of the biggest financial and lifestyle decisions you’ll make. And whether you’re a new driver or you have millions of miles behind you, you might be wondering if it’s better to buy or lease your next ride.

Save on Your Summer Energy Bills: Tips From A to Z

By: American Heritage06.02.22 Savings & Budgeting
As the temperature outside starts to rise, so does the cost of keeping your home cool. Typically, electricity rates are higher during the summer due to increased demand, leading to higher summer electric bills. If you want to secure a lower electric bill (without feeling like you’re living in a sauna), check out these 26 energy-saving tips for summer. We’ve got ideas from A to Z!

6 Topics to Discuss Before Your New Grad Moves Back In

By: American Heritage05.19.22 Education
Many young adults are moving back in with parents after graduating. This is mostly for economic reasons; low entry-level salaries and high student loans can make moving back home a necessity while recent graduates gain their financial footing. And thanks to the pandemic and shortage of affordable housing, there are more fledgling adults living with parents than ever.

Need a New Vehicle? Here’s How to Sell Your Car

By: Holly Benedetto05.12.22 Auto
It’s time to upgrade your vehicle to something that better suits your lifestyle and needs, but what’s the best way to get rid of your old car? If it is in good condition, many owners choose to sell their car to put money towards the cost of the next one. Selling a car is not as simple as selling other belongings and requires additional effort and paperwork. In this blog, we break down the process for car owners to pass on the keys.

How to Buy a Home in a Hot Real Estate Market

By: American Heritage05.05.22 Home & Mortgage
A hot real estate market can pose a real challenge for hopeful buyers – especially for those looking to buy their first home. But that doesn’t mean you can’t find a place you love and get your offer accepted. It just takes a combination of patience and fortitude, plus a little homebuying know-how.

7 Home Improvement Projects That Won’t Break the Bank

By: American Heritage04.28.22 Home & Mortgage
Your home is likely your biggest investment – and it’s where you and your family should feel safe, comfortable, and connected. So, whether it’s your forever home or you’re planning to make a move in the near future, you might want to consider some home improvement projects that can deliver value, efficiency, and style.

Product Spotlight: Digital Services

By: Holly Benedetto04.21.22 Product Spotlight
American Heritage offers convenient online banking tools. Our web browser-based Online Teller and smartphone app, Mobile Teller, are here to make your life more streamlined and accessible. If you have yet to try our digital experience, keep reading to find out why you should!

EXTENDED: Student Loan Relief During the Coronavirus Pandemic

By: Holly Benedetto04.14.22 Education
The Coronavirus Aid, Relief, and Economic Security (CARES) Act was passed by Congress in March 2020 in order to help struggling Americans during the pandemic. Included in the plan were assistance programs for workers, families, businesses, state and local governments, and more. While many are familiar with the $2 trillion stimulus package distributed earlier this year, the CARES Act has another benefit: the federal student loan payment pause.

Teach Your Children These Key Money Skills

By: American Heritage04.06.22 Education
As a parent, you’re responsible for teaching your kids important life lessons. You help them learn their ABCs, how to tie their shoes, and to look both ways before crossing the street. But do you teach them about saving money? Learning how to budget and save responsibly are key skills they’ll need to succeed later in life. In honor of Financial Literacy Month and National Credit Union Youth Month, here are six ways to cultivate smart savings habits as your child grows up.
Blog Get Your Vehicle Spring-Ready

Get Your Vehicle Spring-Ready in 7 Steps

By: Kirstin Wilson03.18.22 Auto
With the warmer months right around the corner, our spring-cleaning list usually includes tasks like decluttering closets, storing away snow supplies, and even organizing finances for the year. One task that should not go overlooked is keeping your vehicle up to date with the season! Getting your vehicle in tip-top shape can save you money down the road and can protect you and your family from preventable hazards.
Blog ATM Safety Tips

ATM Safety Tips Everyone Should Know

By: American Heritage03.09.22 Security
Whether you’re using a stand-alone ATM, one inside a grocery store, or a drive-through ATM, here are some ATM safety tips that can help keep you, your money, and your financial information safe from would-be criminals.
Blog Product Spotlight Personal Loan

Product Spotlight: Personal Loans

By: Holly Benedetto02.17.22 Product Spotlight
Loans have been around for millennia, with records dating back to early Mesopotamian farmers borrowing seeds and livestock and using their yields for repayment. Today, loans remain one of the most classic banking products available due to their simplicity, versatility, and usefulness. A personal loan is a sum of money borrowed from a credit union, bank, or other lender, paid back over a set amount of time in fixed monthly installments, with interest.
Blog 14 Affordable Valentines

14 Affordable Valentine’s Day Date Ideas

By: American Heritage02.10.22 Culture
February 14 is Valentine’s Day – the perfect opportunity to celebrate romance and spend quality time with your special someone. But the traditional trappings of the holiday – red roses, fancy restaurants, giant heart-shaped boxes of chocolate – can really add up. In fact, the average American spent over $160 on Valentine’s Day last year. If you’re looking for some fresh ideas that are easier on your wallet, read on!

 

 

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