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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 |

Best Ways to Start Saving for the Holidays

“Christmas in July” is the name of a movie in which a man called Jimmy is tricked into believing he’s won $25,000 in a national radio contest. (It’s from 1940, but the point remains.) He promptly goes out and blows his winnings on a shopping spree. When the truth comes out that Jimmy didn’t win, the department store owner tries … Continue reading

Posted in Deposits |

Chip (EMV) Cards. Here’s how they work

Insert, don’t swipe. And get used to it! Chip cards are only increasing in popularity. But why switch to the chip? Chip cards are embedded with a microchip as well as the original magnetic strip. In essence, the chip encrypts user’s information which raises security as you make everyday transactions at registers or ATMs that are chip-enabled. Besides offering better security, chip … Continue reading

Posted in Deposits, Education |

Impulse Buys: The Good, The Bad and The Ugly

Don’t end up with a fist full of nothing. Impulse buys are a common enemy of people who try to save money but just can’t seem to stop the aimless purchase here and there. Many personal finance experts would have you believe that any impulse buy is terrible but that isn’t always the case. Let’s learn about the culprits and … Continue reading

Posted in Deposits, Education |

Saving – 3 Tips to Help You Get Started

 So, you want to start saving? Money can be a difficult thing to manage. Planning… Budgeting… Saving… everybody has a different strategy! Below are 3 tips that will guide you in the right direction: Create a realistic savings goal. First off, your savings must be realistic. It doesn’t matter if you’re saving for a big ticket item or retirement. Create a short term … Continue reading

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Strong Savings! Celebrate Youth Month at Heritage Credit Union

April is Youth Month at Heritage! Over the next 4 weeks, Heritage Credit Union is offering raffles, games and other fun prizes designed to help your children sharpen their personal finance skills. Bring your kids in to your local branch to find out what we can do for you and your family. Our youth month program is part of a larger effort hosted annually by the … Continue reading

Posted in Deposits, Heritage Updates |

How to Create a Certificate Ladder

Money Tip! Save more with a certificate laddering strategy. Use a certificate laddering strategy to take advantage of higher rates without tying up all of your investment long-term. Certificate Ladder Example If you have $30,000 to invest, put $10,000 into a 1, 2, and 3- year certificate. As the 1-year certificate comes due, you are able to access those funds … Continue reading

Posted in Certificates, Deposits |

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