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.
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.
Getting approved for a mortgage when you have college debt can be complicated – but having student loans does not mean an automatic denial. Nearly 46 million Americans have student loan debt as of 2022, and many of those holding loans are looking to be homeowners soon.
When it comes to saving, the way you choose to save will greatly influence your return on investment. Aggressive options may have the highest yield while posing the greatest risk of loss, where conservative saving options offer a slower, but risk-free return.
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.
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.
Small actions can have a big impact. And, they can also have a ripple effect. If you’d like to make a positive difference in your community – and beyond – here are some easy ways to get started.
American Heritage Credit Union has partnered with America Saves to promote America Saves Week 2022! It’s never too late to start your personal savings challenge and journey towards financial wellness. #ASW2022 follows a five-day format with a different savings theme for each day. Keep reading to find the best strategies for your lifestyle.
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.
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!
If you have limited savings or less-than-perfect credit, the dream of owning your own home may feel out of reach. You’re not alone, but don’t think you’re out of luck either. FHA loans are designed to help people with these challenges achieve the goal of homeownership by providing a mortgage that may work with their financial situation.
Debt consolidation is a process in which multiple debts are combined into a single payment. Benefits of debt consolidation can range from reducing the number of individual payments to paying less over time with a lower interest rate. There are several ways a borrower can consolidate their debt, and some solutions are more suited to certain debts than others.
Using less energy, decorating on a budget, taking care of small problems before they become big ones, and doing basic home renovations and repairs yourself can help you keep your home costs down. Sound good? Then this guide is for you.
From monthly checking account fees to surprise ATM surcharges, Americans are paying way too much for their banking. If you’ve ever gotten an unexpected bank charge – or a few of them – you know how it feels. If your New Year’s resolution is to save money, knowing about these eight common banking fees and how to avoid them is a great first step.
Maybe you overdid it with the holiday spending. Between buying presents and traveling to see loved ones, it’s easy to lose track of exactly how much you’re spending. But when you get your January statements and see all your purchases in black and white… ouch. Seeing a lower balance than you’d like in your checking account and a higher credit card bill than you expected can be just the wake-up call you need to take control of your spending.
In this series, we take a look at the inner workings of the Credit Union and meet some of the champions who help our members in every facet of their financial lives. This month, we met up with expert Kevin Tressel, who leads a group of 30-plus employees with disciplines ranging from Programming, Networking, Security and IS Operations.
Whether you’re a new homeowner or you settled into your place a while ago, these easy DIY home projects can help you save money over the long run. Get started while you’re cooped up inside during the cold winter months, and help lower your energy bills and improve your quality of life throughout the year.
Holiday spirit can encourage increased tipping and additional cash gifts for workers in the service industry and other customer-facing roles. It’s a thoughtful gesture and is a great way to pay a special thanks to our everyday heroes.
In this series, we take a look at the inner workings of the Credit Union and meet some of the champions who help our members in every facet of their financial lives. This month, we met up with expert Fawn Martin, whose team organizes, tracks, and structures American Heritage's projects, both big and small.
Whatever you associate the holiday with, there are others in the community who may not get to experience the same joy around the holidays. But you can help change that by finding ways to give back to your community. Here are a few simple ways to give back on Thanksgiving and spread some holiday cheer.