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.
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With the warmer months right around the corner, our spring-cleaning list usually includes tasks like decluttering closets, storing away snow supplies, and even organizing finances for the year. One task that should not go overlooked is keeping your vehicle up to date with the season! Getting your vehicle in tip-top shape can save you money down the road and can protect you and your family from preventable hazards. The outside of your vehicle will show the most noticeable effects of the winter months. Most of your vehicle’s mechanical work will need the help from a professional, but you can easily do your surface level cleaning yourself, like removing unnecessary items and trash, as well as shampooing and vacuuming the seats and floors. Additional repairs and updates your vehicle may need include:
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There’s no doubt about it – we’re living in an increasingly cash-free society these days. Between credit cards and mobile wallets, you may spend long stretches of time without using actual cash. But eventually there will come a time when paying with plastic just won’t cut it. If you need to pay the babysitter, a vendor who doesn’t accept cards, or an unexpected toll on your next road trip, having cash in your wallet can definitely come in handy. And ATMs are a convenient way to get money when you’re out and about, without having to go into the branch during business hours. However, not all ATMs are created equal. Whether you’re using a stand-alone ATM, one inside a grocery store, or a drive-through ATM, here are some ATM safety tips that can help keep you, your money, and your financial information safe from would-be criminals.
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Small actions can have a big impact. And, they can also have a ripple effect. If you’d like to make a positive difference in your community – and beyond – here are some easy ways to get started.
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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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February 14 is Valentine’s Day – the perfect opportunity to celebrate romance and spend quality time with your special someone. But the traditional trappings of the holiday – red roses, fancy restaurants, giant heart-shaped boxes of chocolate – can really add up. In fact, the average American spent over $160 on Valentine’s Day last year. If you’re looking for some fresh ideas that are easier on your wallet, read on!
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If you have limited savings or less-than-perfect credit, the dream of owning your own home may feel out of reach. You’re not alone, but don’t think you’re out of luck either. FHA loans are designed to help people with these challenges achieve the goal of homeownership by providing a mortgage that may work with their financial situation.
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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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