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A man and his son browse an aisle of school supplies

Surviving Back to School and all Your Fall Expenses on a Budget

By: American Heritage 08.13.19 3 minute read Savings & Budgeting

Whether you’re starting your kids in pre-school or returning to grad school, back to school is an exciting time for anyone starting something new. It’s also a time that requires you to buy! This may mean school supplies, books, new clothes, backpacks and briefcases and even new computers and tablets. While fall can add a lot of expenses to your plate, there are plenty of ways to get what you need, get the maximum value for your dollar and stay within your budget.

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a woman wearing nursing scrubs speaks with a financial advisor

5 Facts that Show How Education Leads to Better Pay

By: American Heritage 08.08.19 2 minute read Savings & Budgeting

We all want to live comfortably and build a secure financial future. Whether you’re supporting yourself or a big family, you deserve this financial freedom. Unfortunately, earning a good salary can be a challenge for many Americans. In today’s competitive job market, being a skilled and valuable employee is the best way to ensure a great paycheck. And this usually depends on a great education.

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A smiling young man hands a waiter his credit card at a restaurant.

New to Credit Cards? Learn How to Use Them Responsibly and Avoid Debt

By: American Heritage 08.01.19 3 minute read Credit

If you just got your first credit card, or soon will, you have probably heard that credit card debt is a major risk to avoid. While that is true, you shouldn’t be afraid to properly use your credit card. The fact is that like most tools, credit cards can be helpful when used responsibly and can lead to problems when used irresponsibly.

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A frustrated woman looks at banking paperwork

Help: I’ve Been Denied for a Loan!

By: Holly Love 07.26.19 5 minute read Credit

If you’ve been declined for a loan, don’t worry—you’re not alone. The average American household has an estimated $20,221 in carried credit card balances according to a 2023 Nerdwallet study, so it’s no surprise that many of us need help with large expenses. Unfortunately, some loans get declined. If you’ve recently applied for a loan and didn’t get the answer you were hoping for, your best tool is education.

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Business owners high-five outside of a restaurant

Four Ways Credit Unions Create Economic Opportunity

By: American Heritage 07.18.19 2 minute read Business Policy & Economy

If you own or work for a local business, you understand how important your community is to the success of your business. At American Heritage Credit Union, we do too. As a credit union with deep local roots, our commitment to serving members’ financial needs goes hand-in-hand with our work to support our community.

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Car sales lot with a variety of vehicles.

How to Finance Your Next Vehicle

By: American Heritage 07.11.19 3 minute read Auto

We all need reliable, affordable transportation. For many of us, an auto loan is essential when it’s time to buy our next new or used vehicle. The type of financing you choose and the lender you turn to for your loan is a bigger deal than you might think. Over your lifetime, you’ll probably own many different vehicles. You will likely spend more money on these vehicles and related expenses than you’ll spend on your home. In fact, an AAA study suggests you’ll spend between $6,000 and $9,000 per year on fuel, maintenance, repairs, insurance, fees, depreciation, and interest. That’s a lot of money.

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Person looking at financial graphs on a laptop with a calculator nearby.

7 Key Questions to Ask About Your Finances

By: American Heritage 07.05.19 2 minute read Savings & Budgeting

Your finances are much more than your monthly bills and account statements. They reflect your day-to-day needs, long-term goals, and overall relationship with your money. Because your finances are constantly changing, financial habits that worked last year might need some adjustments this year. Staying financially healthy is a lifelong process.

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A woman looks under the hood of her car while talking on the phone

5 Tips for How to Handle Unexpected Expenses

By: American Heritage 07.02.19 2 minute read Savings & Budgeting

We’ve all been there. You a have car that needs repair. You have a leaky roof in your new home. You have ANOTHER out-of-town wedding invitation, which means shelling out money for hotel, travel, etc. These are just a few examples of unexpected expenses that we all endure, many of which seem to occur at the most inopportune times.

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a Philadelphia Cheesesteak

The History Behind 3 Famous Philadelphia Foods

By: Holly Love 06.27.19 3 minute read Culture

Philadelphia is known for its sweet, salty, and savory foods. From tomato pies to butterscotch krimpets and " wooder" ice, Philly certainly has a way of satisfying the food cravings you didn't even know you had. It's possible to go an entire day eating a famous Philadelphia food at every meal, sampling historic well-known restaurants and small vendors alike. While you've certainly enjoyed one of the following treats (if not, get to Philadelphia ASAP!), have you ever wondered about the history behind them?

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A couple stand in the living room of their first home that they just purchased

4 Programs that Can Open the Door to Your First Home

By: American Heritage 06.20.19 2 minute read Mortgage

If you dream of owning your own home, you’re not alone. Generations of homeowners have enjoyed the opportunity to put down roots in their community, build wealth, and experience the pride of having their own place. A mortgage is usually key to buying a house, but many people struggle to qualify for this essential loan. Fortunately, there are many federal and state programs designed to make homeownership possible for more people. Before discussing these programs, let’s look at how conventional mortgage lending works.

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