During a recent branch visit, you may have been asked to try the PAT (Personal Automated Teller) machine. Whether you decided to try it or not, you may have lingering questions about the machines and wonder why we’ve added them into our branches. We sat down with the experts here at American Heritage on all things PAT, Meg Kenny (PAT Supervisor) and Alicia Jordan (Assistant Branch Manager), to get answers directly from the team behind the machines.
If you own or work for a local business, you understand how important your community is to the success of your business. At American Heritage Credit Union, we do too. As a credit union with deep local roots, our commitment to serving members’ financial needs goes hand-in-hand with our work to support our community.
We all need reliable, affordable transportation. For many of us, an auto loan is essential when it’s time to buy our next new or used vehicle. The type of financing you choose and the lender you turn to for your loan is a bigger deal than you might think.
It’s a good idea to do a midyear financial checkup. Think of it as an informal self-review of your personal finances that will help you determine how effectively you’re spending, saving, and managing money and supporting a bright financial future.
There are unexpected expenses that we all endure, many of which seem to occur at the most inopportune times. While it’s impossible to know what’s ahead, the good news is that you have the ability to take control of your finances and better prepare yourself, and your wallet, for the unexpected. To help, we’ve outlined 5 ways to handle unexpected expenses.
Philadelphia is known for its sweet, salty, and savory foods. From tomato pies to butterscotch krimpets and "wooder" ice, Philly certainly has a way of satisfying the food cravings you didn't even know you had. It's possible to go an entire day eating a famous Philadelphia food at every meal, sampling historic well-known restaurants and small vendors alike. While you've certainly enjoyed one of the following treats (if not, get to Philadelphia ASAP!), have you ever wondered about the history behind them?
If you dream of owning your own home, you’re not alone. Generations of homeowners have enjoyed the opportunity to put down roots in their community, build wealth, and experience the pride of having their own place. A mortgage is usually key to buying a house, but many people struggle to qualify for this essential loan. Fortunately, there are many federal and state programs designed to make homeownership possible for more people.
You’ve seen the commercials explaining how important it is to check your ever-fluctuating credit score. You’ve investigated, learned your score, but now what? Knowing your score is the first step to having good credit, but having a good score takes further steps.
When you’re applying for a loan, shopping for an account, or listening to a finance pro, you’re bound to come across a lot of financial jargon – but rarely a clear explanation of what these terms mean. A solid understanding of key banking concepts like rate, APR, and dividend is crucial to making smart financial decisions – and can help put more money in your pocket (and keep it there).
Get-togethers with friends and family are often the biggest highlights of the summer. But if you’re the one hosting that graduation party, Fourth of July barbecue, or family reunion, you may also wind up with a big bill. Fortunately, your next gathering doesn’t have to be an expensive affair.
Looking forward to getting outdoors this summer? Whether your ideal adventure takes you across the country or “down the shore,” a new motorcycle, RV, or boat could be a dream come true. But a significant price tag and the cost of upkeep are realities you’ll need to prepare for.
Your budget doesn’t have to keep you from socializing. You just have to think about different ways to have fun with your friends. Remember, a budget isn’t really about dollars and cents. It represents what you want from life. With that in mind, here are a few money-saving ways to have a great social life without going broke.
Memorial Day is right around the corner—a holiday dedicated to remembering and honoring those people who have died serving in the armed forces. As part of our commitment to veterans and to the greater Philadelphia community, our team at American Heritage Credit Union likes to take this time of year to pause and honor those who have served, as well as other charitable organizations in the region.
American Heritage Credit Union has made the news many times lately — and the pace of breaking developments is only going to speed up as the esteemed Philadelphia institution continues growing at a rapid clip. Yet the financial institution’s focus will never change a key aspect of its operations, according to CEO and President Bruce K. Foulke.
If you’re like most Americans, you probably spend more money than intended when you’re on vacation. But it’s entirely possible to avoid overspending – and still have a great time – if you plan in advance. Whether you’ve booked inexpensive vacations over long weekends or a once-in-a-lifetime overseas extravaganza, our four simple steps to having fun on vacation while spending less are a blueprint for a stress-free time away.
When it comes to financial education, earning is learning. Whether your young child is getting an allowance, your 13-year-old makes money walking neighborhood dogs, or your older teen has a lead on an amazing summer job, seek out any opportunity to have meaningful discussions about financial literacy — especially the essential skills of saving, spending, giving, and planning.
To make your dreams a reality and bring your vision to life, it’s important to plan ahead. That’s why we’ve compiled the list of our top five steps for first-time home buyers, to help as you look to purchase a new home.
Most people know, or can learn, how to do some basic home improvements and repairs. But unless you work as a contractor AND have tons of spare time, you probably will not be able to tackle every project yourself. The line between which renovations you can do and which you should pay a professional to do is different for different people, but here are some general guidelines – along with information about the best way to finance your next major home improvements.
We’re in the height of "kitten season," when rescue shelters fill up with furry faces. It’s a popular time to adopt a cat, dog, or another kind of pet. While the benefits of pets are many, the expenses may be something to growl about. The more you know about the cost of pet ownership, the better prepared you’ll be for everything from initial costs through emergencies.
Buying a home is a journey – and your real estate agent is your guide. Your agent’s knowledge, skills, and level of support will have a big impact on your homebuying experience, so it is important to have the right person by your side. So who is the best real estate agent for you?