03.30.19 Home & Mortgage
Whether you receive a large or small refund check this tax season, a check from Uncle Sam is an added bonus to the beginning of spring and new possibilities. One fun way to spend your tax refund check? Home renovations!
If you’re looking for a great financial partner that’s also great for your community, local credit unions are the best option. Unlike the big national banks and online-only banks, credit unions are member-owned, not-for-profit financial cooperatives that directly contribute to your hometown.
03.21.19 Investing & Retirement
A certificate or money market account (MMA) from your local credit union can be a smart, safe way to grow your money faster – and reach your savings goals sooner. Unlike stocks, both account options are federally insured, and they often pay much higher dividends than typical savings accounts. Certificates and MMAs are both good options, but they have some key difference you should know about when deciding which to choose.
03.19.19 Home & Mortgage
In an effort to help our members better understand both options, our team is reviewing the differences between a home equity loan and a home equity line of credit — both of which are potential options for those wanting to borrow on their home equity.
03.14.19 Savings & Budgeting
Your 20s are a time of discovery. That includes discovering how to make, spend, and save money (and be less dependent on Mom and Dad). But the journey toward understanding your finances can be a bumpy one. Here are five financial mistakes people often make in their 20s and how to avoid them.
03.12.19 Home & Mortgage
Whether you are a first time home buyer or just want to freshen up your current house, decorating a home can be exciting, inspiring, and often times, expensive. The good news is that if you plan ahead and follow some of our budget-friendly tips, you can continue to pinch your pennies and still turn your house into a Pinterest-worthy home.
03.05.19 Home & Mortgage
While you may have a clear picture of your budget and ideal home, it’s not always clear how well the local housing market can support both. The market is constantly changing. Getting the law of supply and demand to work in your favor requires good timing.
02.28.19 Home & Mortgage
Have you been trying to buy a new home or vacation property, only to see one house after another get snatched up before you can even make an offer? Or, are you unable to find a house that fits your style or needs? Sometimes, to get what you want, you have to do it yourself. But building a house is no easy feat. Here are five things you should know BEFORE you decide to build your dream home.
Why do we assemble a team of professionals to buy a house and then spend weeks or months agonizing over our decision, but dedicate little more than a Saturday afternoon to buying a car? This guide is meant to help bridge the gap between the seriousness with which we tend to take home buying and car buying.
When you buy your next car, truck, or SUV, you’ll probably look for a dealer that’s known to be trustworthy and professional. You should be just as picky about where you apply for an auto loan. After all, interest rates and service quality vary widely from one lender to the next – and you never have to settle for the financing option offered by the dealer. Here’s why an auto loan from your local credit union could be the best way to get behind the wheel.
02.15.19 Savings & Budgeting
Did you make a resolution to save more money this year? Spending less is great, but it doesn’t mean you have to sit around at home. Philadelphia is full of exciting, inexpensive things to do – even in the middle of winter. Learn how to save money on your next outing with this guide to upcoming events and local favorites.
A balance transfer can be a great way to pay off high-interest credit cards with one lower-rate card, giving you an easier way to pay off this debt while cutting your interest payments (and stress).
01.02.19 Investing & Retirement
Between paying off student loans to thinking about buying a home, your 20s is a time filled with change, excitement, and yes, lots of financial decisions. As you deliberate on these various decisions, securing a financial advisor may be a good strategy, one that can help you navigate these big life changes. The first step to getting a financial advisor? Do your homework and ask the right questions.
12.10.18 Home & Mortgage
Purchasing a home is a big and often stressful decision – especially with housing prices rising almost twice as fast as wages, and a shortage of affordable housing in many areas. And while owning a home may be one of your goals, the last thing you want is purchase your dream home only to discover in a few months or a few years that you can’t afford it, a situation commonly referred to as being “house poor.”
At the core of American Heritage’s mission is the commitment to enhance the lives of our members by building trusted relationships. One of the ways we do this is by educating our members on financial news and other potential factors that may impact their financial health. That’s why, we’ve focused the following blog on the very timely news regarding the state of financial security in today’s digital age, along with a few recommended strategies on how our members can keep their information safe.
When you check out at the store, there are usually lots of ways to pay: debit, credit, cash, or even check. For most people, paying by check is too much hassle, and paying by credit card will add to your monthly bill. That leaves cash and your debit card. So, which is right for you?