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Protect Yourself with These Tips from Identity Theft Awareness Week

By: Holly Love 02.02.23 5 minute read Security

Identity theft can be a devastating crime that victims may not notice until it is already too late. Anyone can become a victim of identity theft, but luckily, anyone can take precautions to protect themselves. The Federal Trade Commission (FTC) and its partners hosted Identity Theft Awareness Week from January 30 through February 3, 2023. Their mission is to raise awareness that any person, of any age or background, can be a target for identity theft. Continue reading to learn how to detect, prevent, and report identity theft.

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Use Your Home Equity for Home Projects and Debt Consolidation

By: Holly Love 01.26.23 3 minute read Home & Mortgage

Soaring home prices over the past few years have caused an interesting side effect – homeowners are finding themselves with a lot more home equity. Home equity is the difference between your home’s value and how much you still owe on your mortgage. For example, if your home is worth $300,000, and you owe $50,000 on your mortgage, you have $250,000 in equity.

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Save More in the New Year with These Tips

By: Holly Love 01.05.23 3 minute read Savings & Budgeting

Whether your goal is to save $500 or $5,000, methods used for saving can be easily scaled to accomplish any dream. Developing a plan early into the year can be inspiring, but you don’t need to wait for a new year to get started. Knowing which products earn the highest dividends will help you reach your goal faster. Depending on your needs, a high yield savings account or certificate are excellent choices for the determined saver.

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Product Spotlight: Cash Reward Mastercard®

By: Holly Love 12.15.22 3 minute read Product Spotlight

Credit cards come in many different forms from many different lenders. To incentivize borrowers to choose their card, financial institutions include special perks like low rates or cash back. If you're looking for a new addition to your wallet, consider diversifying with a card that specializes in cash back. Continue reading to see if the Cash Reward Mastercard® is a good fit for your spending needs.

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Investing Safely: Recognizing Ponzi Schemes

By: Holly Love 12.08.22 4 minute read Investing & Retirement Security

If it sounds too good to be true, it probably is. If someone asks you to invest and promises impossible returns on your money, such as guaranteeing that your money will be doubled or tripled with no risk, it’s probably a Ponzi scheme. Knowing how to recognize different types of fraud is a key component to financial literacy. There are many types of investment scams, but one of the most famous is known as the Ponzi scheme.

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Product Spotlight: Platinum Preferred Mastercard®

By: Holly Love 12.01.22 3 minute read Product Spotlight Credit

Credit cards are the most versatile product in your wallet and can be the ticket to a strong credit score and healthy financial habits. By mastering the most popular financial tool, you can demonstrate to lenders that you are a responsible borrower, ushering in new opportunities. Shopping for a new card? Continue reading to see if the Platinum Preferred Mastercard® is a good fit for your banking habits.

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Empower Yourself and Your Future with Financial Wellness

By: Holly Love 10.20.22 4 minute read Policy & Economy Credit

International Credit Union Day ®, also known as ICU Day®, is celebrated on the third Thursday of October. This year marks the 74th anniversary of the day, with the theme “Empower Your Financial Future with a Credit Union™.” This special day is brought to you by World Council of Credit Unions (WOCCU) and Credit Union National Association (CUNA).

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Product Spotlight: Auto Loans

By: Holly Love 09.29.22 4 minute read Product Spotlight

Purchasing a vehicle is a significant life milestone and financial achievement. Whether you’ve owned multiple vehicles during your life or are shopping for your very first set of wheels, American Heritage can help you from beginning to end of your purchasing journey.

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Debt Skills and Time Management: How to Master Both

By: Holly Love 09.22.22 3 minute read Savings & Budgeting Credit

There are only twenty-four hours in a day, and how you spend each one can impact your entire life. If you frequently find yourself trying to magically turn back the clock, you may be in “time debt.” Ineffective time management skills can cause us to “borrow” time from other activities to try and catch up with obligations, such as canceling one activity to make time for another. This then creates a “debt” to the first activity that needs to be repaid, and the cycle continues. Unlike other forms of debt, time is a limited resource that is impossible to ever truly gain more of, and in the end, the bad habit of borrowing time will only lead to stress and neglected responsibilities. By utilizing financial debt management skills, we can’t gain more time, but we can tackle time debt.

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