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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 … 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 |

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 |

Heritage Among Top 200 Healthiest Credit Unions

Heritage Among Top 200 Healthiest U.S. Credit Unions. Heritage Credit Union has been named one of the top 200 healthiest credit unions in the United States by The site, which tracks bank and credit union rates, risk factors and reviews, is a leading consumer destination on the web focusing on depository banking products. In its 2016 annual listing of … Continue reading

Posted in Community, Heritage Updates |

Heritage Credit Union Welcomes New Board Members – June 2016

Heritage Credit Union announces the addition of three new members to its Board of Directors. Gregory A. Cullen of De Forest, WI, and Gregory A. Rice of Stoughton, WI, were seated in April. Brooke B. Frey of Arlington, WI, was seated in May as an Associate Director, a newly-created position on the Heritage Board. Cullen recently retired from his position … Continue reading

Posted in Heritage Updates |

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 |

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