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Digitize Your Budget with These Online Tools

By: Holly Love 05.21.20 2 minute read Savings & Budgeting

Notebooks, graph paper, and saved receipts have played their part, but now digital budgeting tools have taken center stage. With the ability to track and sort your purchases in real time or pay bills automatically on your behalf, these handy tools are a necessity for getting your budget back on track. You can't argue that there's nothing more frustrating than trying to find a missing receipt or important document. Overwhelmed by your options or don’t know what’s out there? We’ve compiled a list of some popular recommendations – including a few tools of our own!

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Making PAT Part of Your New Routine

By: Holly Love 04.02.20 3 minute read Product Spotlight Ask The Experts

There are options for how you would like to perform your transaction, and whether you visit in person, online, or in the drive-thru, there are a variety of ways to accomplish your goal. Plus, even your options have options! Our PAT (Personal Automated Teller) machines are available in branches and in the drive-thru and provide a quick alternative to waiting in line. PAT machines are devices that resemble an ATM but have a live Teller connected to it. Even if you have used a PAT machine before, 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 to get answers directly from the team behind the machines. When you use a PAT machine at one of our branches, you will have the pleasure of speaking directly with these experts or one of their local team members!

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Know Your COVID-19 Resources

By: Holly Love 03.26.20 4 minute read Coronavirus Pandemic

Life as we were used to it has changed drastically all across the world over the last several months. For some, these changes may feel sudden, as the public opinion and government reaction to it seem to have shifted overnight. Just over two weeks ago, on March 11, 2020, COVID-19 was officially characterized as a pandemic by the World Health Organization.

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Preparing for Your Next Home

By: Holly Love 03.19.20 3 minute read Home & Mortgage

Buying and selling a home at the same time can make things complicated. Many variables must work together to create a seamless transaction and it takes a dedicated team to make this happen. You’ve identified your pain points with your current home and are ready to move on to the next phase of homeownership. Before you can buy, however, you have a home of your own to sell.

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A DIY Guide to Unsubscribing and Saving

By: Holly Love 02.27.20 3 minute read Culture Savings & Budgeting

Driven by the rising cost of cable TV and increased number of commercial breaks, cutting cords used to be the cost-effective option to lower your monthly payments. Comparably when it comes to finding deals, online shopping provided an easy way to compare prices and get the best value without having to drive between stores. In a short amount of time, our media and entertainment options have evolved from a collection on a shelf to a cloud-based library at our fingertips – for as long as we pay the fee. As it is, subscriptions surround us. Our daily lives have shifted from making a one-time purchase to continually paying for content that promises to be the most convenient, most up-to-date, and, at one point, the most comprehensive.

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The Pros and Cons of Paying Off a 0% Interest Loan Early

By: Holly Love 02.20.20 3 minute read Credit

Sometimes, we get lucky and are offered a 0% interest rate promo for a specific term. This rate is frequently seen with auto loans, mattress stores, furniture stores, and for credit card promotions. For these big-ticket items, paying no interest could mean a massive savings on each payment. For loans that have an interest rate above 0%, paying them off early (provided there are no pre-payment fees) is a no-brainer: you’re saving money on interest payments and contributing more to the principal each month.

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Is Debt Consolidation Right for Me?

By: Holly Love 01.16.20 3 minute read Savings & Budgeting Credit

Credit cards are a valuable tool for building credit, making large purchases, or earning rewards. Still, a tool this powerful must be used carefully to prevent avoidable or unmanageable amounts of debt. If you ever find yourself in deeper than expected, don’t worry – there are several ways to tackle credit card debt, one way being debt consolidation. If your debt is spread across multiple credit cards with varying rates, that debt could potentially be consolidated on one new, lower rate card.

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Improve Your Account Security with These Simple Steps

By: Holly Love 12.12.19 4 minute read Security

You have a right to privacy and having your secure information protected from prying eyes. The National Credit Union Administration (NCUA), the government agency that regulates credit unions, has various acts and privacy policies in place to hold these financial institutions accountable for keeping this information safe. But why is privacy so important? You may think that you have nothing to hide or that your life is not interesting enough to be kept a secret. However, a carefree mentality can lead to identity theft, stolen banking information, unauthorized account access, and more.

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Prepare Your Car for Winter in 10 Steps

By: Holly Love 12.10.19 2 minute read Auto

Don't get stuck in the snow this season! It's important to get your vehicle ready for heavy weather as soon as temperatures start to drop, since you never know when the next storm will hit. Not sure where to start? Use these ten steps as a checklist towards safer winter driving.

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A Crash Course in Credit Cards

By: Holly Love 10.31.19 5 minute read Credit

With so many types of credit cards on the market, it’s more important than ever to find the right card for you. Since credit card features are fairly easy to compare and contrast in a grid format, it should be easy to figure out what the best card is, right? But, as it turns out, there is no such thing as the “best” card for all credit card users. What determines the best card for you is the type of spender you are, how often you pay off your balances, and how you like to be rewarded.

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