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Money Skills for Real Life: A Guide for High School and College Students

By: American Heritage 04.02.26 3 minute read Savings & Budgeting Family

April is Financial Literacy Month and Credit Union Youth Month, a time to spotlight something that doesn't get nearly enough attention in high school: real-world money skills. Whether you're a high school senior counting down to graduation, a college student juggling classes and a part-time job, or a parent watching your teen open their first account, this stage of life is full of financial firsts: first paycheck, first debit card, first credit card offer, first apartment lease, and first taste of independence.

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What Do I Need to Open a Home Equity Line of Credit (HELOC)?

By: John Lutz 02.26.26 4 minute read Home Equity

Home equity is one of the most valuable resources you have as a homeowner. If you’ve decided to take advantage of your equity and open a home equity line of credit (HELOC), there are a few steps you should follow in the application process. This includes submitting documents like proof of income, employment verification, property information, and more.

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Two outstretched hands, with one holding a latte and the other holding a mobile phone, showing a banking app with an outstanding loan balance

What is Amortization?

By: John Lutz 02.19.26 4 minute read Policy & Economy

Loans, whether it be a mortgage, auto loan, or personal loan, all follow a basic structure. But as a borrower, you may be wondering how exactly your monthly payments are calculated. If you look ahead to your payment schedules, you may ask why you're paying more than what you initially applied to borrow. The process that details this is known as amortization.

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Am I a Good Candidate to Refinance My Mortgage?

By: John Lutz 02.12.26 5 minute read Mortgage

As mortgage rates rise and fall over time, you may be wondering how you can take advantage of the market as a homeowner. You probably hear the term "mortgage refinancing" brought up often, especially when rates are lower than they typically would be. But what exactly is mortgage refinancing, and how do I know if I'm a good candidate?

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