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How-To: Charitable Giving

By: American Heritage06.22.20 Culture Holiday
It's never a bad time to get involved with a charitable cause. However, it’s also a good idea to think before you donate. While giving to global charities and community charities is a wonderful thing, it’s also a good idea to make sure that you’re giving in a way that provides maximum value for your giving dollar and allows you to take advantage of the tax value of donations.

Things to Do in Summer 2020

By: Holly Benedetto06.18.20
So, this summer isn’t going exactly the way you could have expected. Maybe your plans have changed, trips and events have been canceled, and now the point of the season seems lost. Still, there are ways to spend the warmer months making memories and having fun, even if things feel a little unconventional! Here are 5 ideas for how to stay busy this summer.

A Financial Checklist for Newlyweds

By: American Heritage06.12.20 Savings & Budgeting
Getting ready to tie the knot? The opportunity to take on life as a team is exciting, but having your lives so closely intertwined also means big changes for your lifestyle. Especially when it comes to managing your finances. Unfortunately, money can be a tricky topic for couples. In fact, it’s the number one thing married couples fight about.

6 Ways to Make the Most of Your Retirement

By: American Heritage06.04.20 Investing & Retirement
You want to enjoy your retirement. You’ve earned it! So, the last thing you want to do is worry about your finances. If you’re recently retired or soon will be, you want to make sure your money will last, especially during these uncertain times. Here are six keys to saving money and simplifying your finances in retirement.

Looking for Ways to Help During COVID-19?

By: American Heritage05.28.20
It’s easy to feel frustrated and disconnected by the new challenges and safety guidelines surrounding COVID-19. For many of us, that makes us want to find ways to help and support our community. While there may be temporary limitations to our ability to get out of the house and do all the things we used to do, there are still plenty of ways that we can help our neighbors and community. Here are eight ideas to get you started.
A woman uses her laptop and smartphone to create her budget

Digitize Your Budget with These Online Tools

By: Holly Benedetto05.21.20 Savings & Budgeting
Notebooks, graph paper, and saved receipts have played their part, but now digital budgeting tools have taken center stage. With the ability to track and sort your purchases in real time or pay bills automatically on your behalf, these handy tools are a necessity for getting your budget back on track. Overwhelmed by your options or don’t know what’s out there? We’ve compiled a list of some popular recommendations – including a few tools of our own!

4 Ways to Keep Your Savings Protected & Growing

By: American Heritage05.14.20 Savings & Budgeting
You’ve worked hard to build up your savings. So you want to make sure they’re protected – and steadily growing – during today’s economic uncertainty. But right now, it may seem harder to grow your savings, especially when you want to avoid the risks that come with a volatile stock market. Keeping your funds protected in a federally insured financial institution is a smart way to avoid market risk.

Should You Refinance Your Home? Consider These 4 Factors.

By: American Heritage05.07.20
Right now, you’re probably looking for ways to boost your financial security, such as by lowering your bills or building up your savings. You’re not alone. Many homeowners are doing exactly that by refinancing their home to take advantage of today’s low mortgage rates. To see if refinancing is right for you, it’s important to understand why people choose to refinance and what makes someone a good candidate for a refinance mortgage.

How to Use Contactless Cards and Mobile Wallets

By: Holly Benedetto04.27.20 Product Spotlight
There are always tools to streamline our everyday lives, since time is precious and better spent elsewhere than in the checkout line. If you’re looking for a new way to add a popular and safer technology to your life, try paying for transactions using contactless payments. Contactless payments can be performed using a contactless credit or debit card, or with a smartphone or smartwatch with the mobile wallet enabled. As the name suggests, these transactions reduce or eliminate the need to be in contact with the terminal when making a purchase. Enjoy faster, cleanlier, and more convenient shopping experiences with contactless technology!

Managing Your Money in Difficult Times

By: American Heritage04.16.20
Even in the face of an economic recession, there are some practical steps you can take now to help boost your financial security and feel better prepared for whatever tomorrow brings.
A family of four sits on the couch holding a piggy bank

Spending More Time at Home? Use it to Teach Your Kids About Money

By: American Heritage04.09.20
April is National Financial Literacy Month and National Credit Union Youth Month, so it’s a great time to increase your child’s financial literacy. And doing so doesn’t have to be boring: There are lots of ways to make learning about spending, saving, and borrowing fun and interesting for kids of all ages.
Member using the PAT machine

Making PAT Part of Your New Routine

By: Holly Benedetto04.02.20 Culture
We know that times are different and you may not be seeing your favorite tellers in the lobby as often. Our routines have been shifted as we're presented with alternative ways to handle our finances. There are options for how you would like to perform your transaction, and whether you visit in person, online, or in the drive-thru, there are a variety of ways to accomplish your goal. Plus, even your options have options! Our PAT (Personal Automated Teller) machines are available in branches and in the drive-thru and provide a quick alternative to waiting in line.

Know Your COVID-19 Resources

By: Holly Benedetto03.26.20 Coronavirus Pandemic
Life as we were used to it has changed drastically all across the world over the last several months. For some, these changes may feel sudden, as the public opinion and government reaction to it seem to have shifted overnight. Just over two weeks ago, on March 11, 2020, COVID-19 was officially characterized as a pandemic by the World Health Organization.

Preparing for Your Next Home

By: Holly Benedetto03.19.20 Home & Mortgage
Buying and selling a home at the same time can make things complicated. Many variables must work together to create a seamless transaction and it takes a dedicated team to make this happen. You’ve identified your pain points with your current home and are ready to move on to the next phase of homeownership. Before you can buy, however, you have a home of your own to sell.

A DIY Guide to Unsubscribing and Saving

By: Holly Benedetto02.27.20 Savings & Budgeting Culture
Subscriptions surround us. Our daily lives have shifted from making a one-time purchase to continually paying for content that promises to be the most convenient, most up-to-date, and, at one point, the most comprehensive. As the competition has grown, many of these larger companies have splintered off into individual apps with individual costs. Consider how many of these services may call you a subscriber.

The Pros and Cons of Paying Off a 0% Interest Loan Early

By: Holly Benedetto02.20.20 Credit
Sometimes, we get lucky and are offered a 0% interest rate promo for a specific term. This rate is frequently seen at auto dealers, mattress stores, furniture stores, and for credit card promotions. For these big-ticket items, paying no interest could mean a massive savings on each payment. However, should you ever pay off a 0% interest loan early?

Roth vs. Traditional: Which IRA is best for me?

By: American Heritage02.18.20 Investing & Retirement
We have all heard it before — start saving now, so you can enjoy retirement on your terms. Unfortunately, if you’re like most 20-somethings, contributing to a retirement account is a task that tends to fall down your ever-growing list of to-dos. From student loans to rent and bills, it’s easy to understand how retirement planning, like selecting a Roth vs. traditional IRA, can be neglected.

Taxes 101: Brush Up on These Key Terms Before You File

By: American Heritage02.13.20 Tax Filing
Whether you’re new to filing taxes or just need a refresher, we want to help you file with more confidence and less confusion. Understanding the basic tax terms and concepts will be key to filing your return quickly and accurately – and without overpaying. So, before you file your 2019 tax return, make sure you know these nine essential terms.

 

 

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