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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

Posted in Education, Loans |

7 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 seven financial “tips” to let in one ear and out the other. … Continue reading

Posted in Education |

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 |

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 |

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 |

5 Tips On How to Raise Your Credit Score

5 quick steps to a better credit score 1. Pay all of your bills on time Late payments, collections and bankruptcies have the greatest negative effect on your credit score. 2. Check your credit report regularly and take the necessary steps to remove inaccuracies If you happen to find an inaccuracy on your credit report, contact the creditor associated with … Continue reading

Posted in Education |

What Is a Good Credit Score?

Your creditworthiness is more important than ever. Your credit score can save you hundreds or thousands of dollars in interest on loans, help you to get into a rental property or home and save you money on insurance premiums. It pays to know what your score is and how you can improve it. What is a credit score? Credit scores … Continue reading

Posted in Education |

We Saved Our Members More Than $1 Million Last Year*

Meet Lindsey — She’s the type of member who uses Heritage for all of her banking needs. Last year, she saved hundreds on savings and lending products. How can I can as much as Lindsey? Compared to the average bank, we can save you money through lower rates on auto and personal loans and higher savings rates. Plus, we have fewer … Continue reading

Posted in Education |

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