Seven Tips to Improve Your Financial Wealth

1. Sign up for direct deposit and withdrawal
   Have your paycheck, social security, pension, or government check automatically deposited into your checking or savings account. Or, direct payment of a HCU loan to automatically be withdrawn from your account on a specified date each month.

2. Switch to a low-interest credit card
   Find out the current rate on your credit cards. You may be able to find a lower-rate with Heritage Credit Union's Visa Credit Card.

3. Open an IRA
   It is never too early to start saving for retirement. You can even save for a house or an education with an IRA.

4. Use Online Services
   Sign up for Online banking and you can conveniently maintain your accounts from the comfort of your own computer. Online banking lets you transfer funds and keep up to the minute balances on all of your accounts.

5. Get pre-approved auto financing
   If you have been thinking about purchasing a new or used vehicle, now is a great time to get pre-approved for an auto loan at Heritage Credit Union. With same day loan approvals you can buy a new or used vehicle with confidence.

6. Take advantage of Home Equity rates
   Rates are at historic lows! There has never been a better time to make home addition, take a vacation, consolidate debt or buy a new vehicle. With HCU Home Equity Line of Credit there are no closing costs and your monthly payments are only 1%. Monthly payments on a $20,000 HELOC is only $200.00!

7. Ask a loan representative
   Would life be easier with more money in your pocket every month? Call a HCU loan representative. We can look at your financial situation and see if you can save money in monthly payments by refinancing an auto or personal loan at a lower rate. It only takes 20 minutes!