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.
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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. Certificates of deposit, also known as just certificates, are in the latter group and provide a safe way to grow your funds over time. To explore this savings option, continue reading.
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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.
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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.
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In this series, we analyze the various product offerings at American Heritage to explain their benefits and uses. Taking either a product-first or problem-first approach, we aim to deepen your understanding of banking products and services for robust financial literacy.
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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.
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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. Keeping your budget in mind, if you can afford to tip extra this holiday season, you should! Gift-giving around the holidays is not just for family or friends, but for anyone we would like to show appreciation.
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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.
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This week, the Association of Certified Fraud Examiners (AFCE) holds its annual International Fraud Awareness Week from November 14–20, 2021. The ACFE is the world’s largest anti-fraud organization and works with its partners to provide training and prevention education. There are many types of fraud to which people fall victim. Tax fraud, identity theft, social engineering, money laundering, and other criminal activity can befall unsuspecting targets. Participate in this year’s Awareness Week by learning how to recognize fraud, report it, and help contribute to a safer world for yourself and others.
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If you did any shopping last year, you’re likely already aware of some of the challenges that made the holiday season even more hectic than usual. Unfortunately, many of those same snags will plague this year’s shopping, too. Beat the lines, the “sold out” signs, and get every item on your list by getting ahead of this year’s crowd. November marks the start of holiday shopping for many – and you should aim to be among them this year.
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