LOGINHeritage Credit Union’s Richard J. McGrath Endowment Fund Tell me about the endowment fund that Heritage Credit Union offers. The Richard J. McGrath Endowment Fund was created in 2007 as a way to honor our longtime voluntary board member, Dick McGrath. The purpose of this fund is to provide small grants for local social organizations in the communities served by … Continue reading
Best Ways to Save on Summer Vacation
Best Ways to Save on Summer Vacation With school letting out and sultry summer days ahead, it’s time to start thinking vacation. Because it’s a supply-and-demand world, you’ll likely be up against higher airfare, hotel costs and car rental rates. But here are some tips to help keep things affordable. If by air … If you plan to fly domestically, … Continue reading
Posted in Education, Money Tips for Parents
Consolidating Debt: When Does It Make Sense?
Consolidating Debt: When Does It Make Sense? Debt can be hard to crawl out of, especially when payments on credit cards, consumer loans and student loans continue to pile up on top of your living expenses. Overwhelmed with a blizzard of monthly bills, many people look at consolidation as an alternative. Streamlining debts can be a useful way of managing … Continue reading
Money ‘Tips’ to Ignore
It’s easy to ignore the misguided dating advice of elders at family gatherings, so why do we let the financial tidbits sink in? Money advice often gets woven into humdrum conversations between family and friends, and it can be hard to know what to take seriously. Here are some financial “tips” to let in one ear and out the other. … Continue reading
Posted in Education
Refinancing Auto Loans 101
If you’re paying too much in interest on your non-Heritage car or truck loan, refinancing could be a great way to save some serious dough. Interest rates for vehicle loans may have dropped since you financed your auto. Or maybe you’ve improved your credit score, which could qualify you for a lower rate. Either way, it could be worth hundreds of … Continue reading
Posted in Auto Loans
The Benefits of a Mortgage Preapproval — and How to Get One
Unless you were recently selected as the No. 1 pick in the NFL draft or released a hit album, you probably won’t pay for your new house in cash. Like millions of Americans, you’ll take out a mortgage. Before you begin your housing search, try to get a mortgage preapproval, which is usually good for up to 90 days. After … Continue reading
Posted in Mortgages
Don’t Let the Extra Hour of Sun Burn Your Wallet
Article published on March 10, 2017. Clocks will spring forward on March 12 when daylight saving time begins. The tradition preserves evening daylight during the summer by pushing up the clock one hour. It starts in March and ends in November. But other than losing an hour of sleep this weekend, daylight saving may have another noticeable effect on your … Continue reading
Posted in Education
3 Reasons Why You Should Get Preapproved for a Car Loan
When shopping for a new car, many people overlook one important step: getting preapproved for an auto loan. It’s a simple process that can make car-buying go more smoothly and save you money. Preapproval is a quick assessment of your ability to pay off a loan based on your credit history and current financial state. This is how it works: … Continue reading
Posted in Auto Loans
Financial Steps to Take Before Buying a Car
Think about the effort it takes to search for the right new car and to negotiate the lowest price. Unless you plan to pay cash in full, the third leg of the stool is finding the best possible financing. Because loans typically come in 12-month increments, we’re talking about a decision that will affect your household budget a minimum of two … Continue reading
Posted in Auto Loans, Loans
Join us at Heritage Credit Union’s 2017 Annual Meeting
The 83rd Annual Meeting of Heritage Credit Union will be held on Monday, March 27, 2017, beginning at 4:00 pm at the Madison Branch located at 2555 Shopko Dr, Madison, WI. At the meeting, several reports will be given regarding the state of affairs of the credit union. Members are invited to attend this informative event at no charge. This … Continue reading
Posted in Community, Heritage Updates