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

Posted in Education, Loans |

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 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 dollars … Continue reading

Posted in Auto Loans |

The Benefits of a Mortgage Pre-Approval — 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 pre-approval, 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 |

The 52 Week Savings Challenge

Here’s a fun and simple way to save over $1,000 this year. The beginning of the year is a great time to make personal savings goals. The 52 week challenge is simple to start and will provide a healthy sum if progressed all the way through. Keep in mind, you can start this challenge at any point in the year. Here’s … Continue reading

Posted in Deposits, Education |

6 Ways to Save More Money in the New Year

Even if saving has never been your thing and money is tight, the coming of a new year is an opportunity to change old financial habits. Here are some ways to become a more efficient saver. 1. Budget Budgeting helps you organize your finances so you have money left over to save each month. It may seem laborious, but budgeting … Continue reading

Posted in Deposits, Education |