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Should You Refinance Your Home? Consider These 4 Factors

By: American Heritage 05.07.20 3 minute read Mortgage Home Equity

Right now, you’re probably looking for ways to boost your financial security, such as by lowering your bills or building up your savings. You’re not alone. Many homeowners are doing exactly that by refinancing their home to take advantage of today’s low mortgage rates. To see if refinancing is right for you, it’s important to understand why people choose to refinance and what makes someone a good candidate for a refinance mortgage. Ask yourself the following questions:

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Managing Your Money in Difficult Times

By: American Heritage 04.16.20 3 minute read

Things are different now, and new economic uncertainties and financial pressures are a reality for many people. We understand, and we want to help ease the financial stress you may be feeling. Even in the face of an economic recession, there are some practical steps you can take now to help boost your financial security and feel better prepared for whatever tomorrow brings.

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Spending More Time at Home? Use it to Teach Your Kids About Money

By: American Heritage 04.09.20 2 minute read

Your kids may be spending more time indoors these days, but that doesn’t mean they have to miss out on opportunities to learn and grow. April is National Financial Literacy Month and National Credit Union Youth Month, so it’s a great time to increase your child’s financial literacy. And doing so doesn’t have to be boring: There are lots of ways to make learning about spending, saving, and borrowing fun and interesting for kids of all ages. Here are a few of them:

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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.

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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 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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5 Best Ways to Use the Equity in Your Home

By: American Heritage 03.05.20 3 minute read Home Equity

Sometimes, big plans come with a big price tag. Tapping the equity in your home can provide the funds you want, but is this always the smartest way to pay? It all depends on your goals. Today we’re looking at some of the best ways that homeowners put their home equity to work. But before we look at these examples, let’s start with the basics:

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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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Roth vs. Traditional: Which IRA is best for me?

By: American Heritage 02.18.20 2 minute read Investing & Retirement

We have all heard it before — start saving now, so you can enjoy retirement on your terms. Unfortunately, if you’re like most 20-somethings, contributing to a retirement account is a task that tends to fall down your ever-growing list of to-dos. From student loans to rent and bills, it’s easy to understand how retirement planning, like selecting a Roth vs. traditional IRA, can be neglected. In fact, it is estimated that “66% of people between the ages of 21 and 32 have absolutely nothing saved for retirement, according to the National Institute on Retirement Security. To help get you started and escape that statistic, it is helpful to consider your retirement options and understand the differences between a Roth vs. traditional IRA, two important options for any retirement strategy.

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