What's your credit score? If you don't at least have a rough idea right away, it may be a good idea to check and find out! Here at American Heritage Credit Union, we're proud to provide our members with access to VantageScore®, a credit scoring model that analyzes your credit-related activities and provides a frame of reference to lenders.
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As the holiday shopping season approaches, many people start thinking about gifts, travel, and seasonal expenses. But before the shopping list grows, it's worth considering another important question: How will you pay?
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A strong back-to-school budget in 2026 starts with listing every expected cost, including new classroom technology, and matching those expenses to your monthly cash flow. From supplies and lunches to laptops and learning apps, planning in advance helps you avoid surprise debt and feel more confident all year.
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Your credit score is one of the most powerful numbers in your financial life, and the earlier you start building it, the better. A strong credit history can help you qualify for lower interest rates on a car loan, get approved for an apartment, and even influence job applications in some industries. The good news? You don't need to start with a perfect score. Here's what you need to know about building credit responsibly in your teens and twenties.
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Interest rates for credit cards can be quite high. According to LendingTree, the average interest rate for credit cards collecting interest (meaning they carry over a balance month-to-month) was 22.15% at the end of the 2026’s second quarter. If you’ve felt the increased pressure on your wallet, it may be time to look for a solution.
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Whether it's time on the beach, a camping trip, or sitting by the pool, summer can be an incredibly fun season. But all that fun can often bring more spending. Now that we're officially in the summer months and halfway through the year, it may be a good time to review your spending habits and take a closer look at your credit score.
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Building confidence with your credit is about more than knowing your credit score. It is about understanding how credit works, making informed decisions, and using it as a tool to support your long-term financial goals.
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If the ads, songs, and lights weren't proof enough, the holiday season is officially upon us. And with the holiday season comes lots of shopping—for relatives, friends, kids, and even maybe yourself. With the increase in shopping activity, especially around Black Friday and the December holidays, the potential for you to overspend also increases.
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While there’s a lot to be thankful for with the Thanksgiving holiday, one item that may not be so appreciative is your wallet. Between the meal itself, travel, decorations, and more, it may feel like the taps, swipes, and purchases never stop. However, with the proper budget and strategy in place, you can pull off a successful Thanksgiving that won’t empty your bank account.
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Are you ready to borrow but don't have a strong credit history? Whether you're just getting started in life, recently moved to the U.S., or are rebuilding after a long credit break, applying for your first loan can feel intimidating, especially if your credit file is thin or nonexistent. The good news? You have more options than you think.
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