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Credit & Debt

Personal loans can be a versatile financial tool, offering quick access to funds for a variety of needs, from debt consolidation to dream vacations.

Read More About Personal Loans

Our auto buying guide will help you make an informed decision when deciding between a new or used car.

Read More About Auto Buying

Learning the basics about auto loans and financing empowers you to navigate the car-buying journey and make informed decisions with confidence.

Read More About Auto Loan Financing

Whether you’ve grown attached to your vehicle or want to avoid extra fees, buying out your lease early can offer flexibility and may even lead to long-term savings.

Learn More About Buying Out of Your Car Lease Early

If you’re considering refinancing a vehicle, our comprehensive article details the pros and cons to help you make an informed decision.

Read More About Refinancing a Vehicle

Hidden costs on auto loans are common, whether you're buying a new or used car; while some, like sales tax, are non-negotiable, others can be avoided or minimized.

Read More About Hidden Auto Loan Costs

Understanding how credit cards work can help you make smart financial choices and manage your debt more effectively.

Read More About Credit Cards

Credit cards can be a powerful tool for building financial security, but using them responsibly and avoiding debt is key.

Read More About Credit Card Use

From earning rewards to managing large purchases, understanding when to use a credit card can help you make smart decisions on your spending.

LEARN MORE ABOUT WHEN TO USE A CREDIT CARD

Your credit score is a numerical representation of your financial health and plays a crucial role in various aspects of your life.

Read More About Credit Scores

Combining multiple loans into a single debt consolidation loan can simplify finances, reduce monthly payments, and potentially lower interest rates.

Read More About Debt Consolidation Loans

Debt consolidation and debt relief programs offer potential solutions for individuals struggling to manage their finances.

Read More About Debt Options

Buy now pay later (BNPL) plans and credit cards are both payment options for in-store and online purchases, but they have distinct differences.

Learn More About Credit Cards vs. BNPL

Personal loan uses go far beyond emergencies. They can offer a smart, flexible way to handle everyday expenses, both planned and unexpected.

Read More About What to Do with a Personal Loan

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Spending & Saving

Creating a budget is the key to taking control of your money and achieving financial peace of mind when feeling overwhelmed by household finances.

Read More About Budgeting

Building an emergency fund is an important step toward protecting yourself and your family when unexpected financial difficulties arise.

Read More About Building An Emergency Fund

The financial aspects of preparing for parenthood can feel overwhelming, but with the right guidance, navigating the journey doesn't have to be stressful.

Read More About Preparing for Parenthood

Financial independence for students can begin during childhood, and setting up the right foundation helps them build confidence for the future.

LEARN MORE ABOUT BACK-To-School MONEY MOVES FOR STUDENTS & Families

Deciding whether to open a joint checking account involves careful consideration from all parties involved in the financial relationship.

Read More About Joint Checking Accounts

Maximizing your savings is essential for achieving your financial goals; by taking some simple steps, you can grow your wealth and invest in your future.

Read More About Maximizing Your Savings

In this article, we’ll explain what an IRA is and how it works, by reviewing the tax benefits, contribution limits, and withdrawal rules.

Read More About IRAs

This article compares money market share accounts and term share certificates, two high-yield deposit options that can help you achieve your savings goals.

Read More About High-Yield Savings Accounts

A checking account helps you simplify finances by streamlining bill payments, assisting with budget management, and offering various benefits for greater control of your money.

Read More About Checking Accounts

If you don’t have a checking account with Heritage Family Credit Union, you might be missing out on benefits and features that could make your banking experience better.

Read More About HFCU Checking Accounts

If you’re wondering how to choose a checking account, start with the features that matter most to you, whether it's mobile access or added perks.

Read More About How to Choose a Checking Account

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Home

While the prospect of owning your first home is exciting, it's also natural to feel some trepidation, especially when going through the mortgage process.

Read More about First-Time Homebuyers

Understanding the differences between a home equity loan and a HELOC helps you make informed financial decisions and choose the right solution for your needs.

Read More About HELOCs & HE Loans

A home equity loan can be a viable solution for homeowners to consolidate multiple debts into a single, lower-interest monthly payment.

Read More about HELOCs and Debt Consolidation

Unlocking the potential of your home's equity through a Home Equity Line of Credit (HELOC) can provide homeowners with financial flexibility.

Read more about the HELOC Application Process

A Home Equity Line of Credit (HELOC) offers flexible borrowing, but understanding how it works is key before deciding if it fits your financial needs.

Read More About How HELOCs Work

Understanding how lower interest rates can impact your mortgage is imperative for current homeowners and those looking to buy.

Read More about Interest Rates and Mortgages

The mortgage pre-approval process can seem challenging, but it's an important step in your home buying journey that can give you an edge in a competitive market.

Read More About the Mortgage Pre-Approval Process

From pre-approval to closing, knowing how to apply for a home mortgage in advance can help  you navigate the application steps with clarity and confidence.

Learn more about the mortgage application process

Choosing the best mortgage loan is one of the biggest financial decisions you'll make, with a lasting impact on both your monthly budget and long-term goals.

Learn More About How To Choose a Mortgage Loan

This guide to closing costs explains what they include, how they’re calculated and paid, and what options homebuyers have for managing them.

Learn More About Closing Costs

Building your dream home? This guide will walk you through the process of obtaining a construction loan, from understanding the basics to securing the best rates.

Read More About Building Your Dream Home

Financing land is different from taking out a traditional mortgage. This guide breaks down how land loans work and what to expect during the application process.

Get the lowdown on land loans

From down payment requirements to refinancing options, we'll explore the facts and dispel the misconceptions that may be holding you back from financing the purchase of a home.

Read More About Mortgage Myths

A Home Equity Line of Credit (HELOC) typically comes with lower interest rates and higher borrowing limits making it a cost-effective alternative to a credit card.

Read More About Ways to Use a HELOC

Explore five types of expenses to avoid when using a HELOC, helping you borrow responsibly and protect your equity.

Learn More About Using a HELOC Responsibly

This article explores the best ways to use a home equity loan and highlights potential pitfalls to avoid, helping you make informed choices that support long-term goals.

Read More About Ways to Use a Home Equity Loan

Learn about the basics of an adjustable rate mortgage, explore the potential benefits, and discover if an ARM is a smart fit based on your goals and financial timeline.

Read More About Adjustable Rate Mortgages (ARMs)

Refinancing your mortgage can be a smart way to save money, shorten your loan term, or access equity in your home. But timing is key.

Learn More About Refinancing Your Mortgage

Couple Relaxing Near Their RV

Lifestyle

Credit unions go beyond standard banking, offering lower fees on loans, higher interest rates on accounts, and more personalized member benefits.

Read More About Credit Unions

Navigate the process of buying and financing a new or used RV and turn your travel dreams into reality with help from Heritage Family Credit Union.

Read More About Buying an RV

In this article, we’ll explore the services credit unions provide, how they differ from banks, and the ways they give back to the communities they serve.

Learn More About the Credit Union Advantage

This article will delve into the specifics of NCUA insurance, including covered accounts, insured amounts, and the process of recovering funds in the event of a loss.

Learn More About NCUA Share Insurance

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Business

Running a small business or non-profit requires careful financial management, and choosing the right credit union can make a significant difference. Credit unions offer several advantages tailored to specific small business needs.

Read More About SMALL BUSINESSES

A dedicated business account simplifies bookkeeping, makes budgeting more precise, and helps you clearly track cash flow and profitability.

Learn More About the Benefits of Dedicated Business Accounts

Effectively managing your cash flow is essential for any small business, and a credit card, when used strategically, can be a powerful tool.

Read More About Business Credit Cards

A business credit card can be valuable for managing expenses, building credit, and earning rewards, while keeping your business and personal finances separate.

Read More About Business Credit Cards

Grants can be a valuable source of funding for small businesses and nonprofits, helping them achieve their goals and make a positive impact.

Read More About Grant Writing

Worried Senior Woman Looks at Phone

Fraud Prevention

You could be a victim of Cryptocurrency fraud – even if you’ve never dreamed of investing in it. The hallmark of a good scammer is the ability to convince you to do something you never thought you’d do.

Read more about Cryptocurrency Fraud

Have you ever received a request to purchase gift cards to go towards fees, help in an emergency, or protect your accounts? If so, you received a fraudulent request.

Read about gift card scams

Please never click on links that are unexpected or unsolicited, even if it’s from a supposed trusted source.

read about text message scams

Home Warranty scams are abundant and many send a “final notice” letter about important matters regarding their mortgage. 

read about home warranty scams

Phishing scams have become more sophisticated, making them harder to detect and more effective at targeting individuals and businesses.

Read More About Common Phishing Scams