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Credit Union Blog

ACU Blog

Providing valuable content and financial tips to help empower our members to improve their lives.

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Credit Cards | Budgeting

Deceptive Credit Card Debt - It Might Not Be Your Fault

By: America's Credit Union
October 24th, 2019

Big credit card corporations spend an enormous amount of time and energy marketing their products in ways that seem cost-effective to consumers. Offers such as promotional discounts, rewards, zero-interest balance transfers, and even cash-back appear to be an excellent way to gain a benefit. But too often, everyday people get tripped up and have a monthly balance you can’t quite pay off. It’s important for consumers to be wary of rising credit card debt that may result from your excitement about taking advantage of perks.

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Personal Finance | Credit Cards

How to Build Credit with a Credit Card

By: America's Credit Union
October 23rd, 2019

Securing a credit card and utilizing it each month can be a tremendously effective strategy to build a robust credit score. While other borrowing and repayment options are also part and parcel of a diverse financial portfolio, using a credit card to build credit may just get you the most bang for your buck. That’s because swiping plastic involves new purchases and regular repayments. The overall view of credit agencies about people who make timely payments is that you are a trustworthy borrower and financial planner. Building credit with a credit card positions you for more lucrative loan products.

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Personal Finance | Credit Cards

The Best Credit Card Rewards Available

By: America's Credit Union
October 22nd, 2019

When people are looking for a credit card, there are a lot of factors that need to be considered. While many people are familiar with how important it is to consider interest rates, annual fees, and penalties, it is also a good idea to take a look at the rewards that the card offers. Credit card companies make money when their customers swipe their cards. Therefore, they will often offer rewards to incentivize the customer to use their card.

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Seasonal | Car Buying | Personal Finance | Life | Budgeting

When is the Best Time of Year to Buy a Used Car or Truck?

By: America's Credit Union
October 11th, 2019

Consumers can almost tell what time of year and month it is by the seasonal sales advertisements. We live in an age where there are literally “shopping holidays” such as Black Friday. We all know that one occurs the day after Thanksgiving, and the savings can be huge. Other industries also promote certain times to buy. Real estate tends to be hot during the summer months because families often want their children to start fresh at the beginning of the school year.

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Car Buying | Personal Finance | Life | Budgeting

How to Get a Great Deal Buying a New Truck

By: America's Credit Union
October 7th, 2019

Dealerships are one of the last strongholds of pure price negotiation. Negotiating a price on a new truck, however, isn't like deciding on a price with a private seller; the dynamic of negotiating at a dealership is much different. A truck salesperson deals with hundreds of negotiations every year and they really know their stuff, while the average person shopping for a new truck only does so once every several years. 

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Life

Are Suits Still Suitable for Job Interviews?

By: America's Credit Union
September 30th, 2019

While casual dress codes are gaining ground in the workplace, job applicants shouldn't put away their power suits just yet, according to research from global staffing firm Accountemps.

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Home & School | Life

Texting While Hiring

By: America's Credit Union
August 16th, 2019

For many people, texting is the favored – and sometimes only – way to connect with friends and family. Now research from Robert Half Technology suggests that it may also be a common communication method between employers and job candidates.

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Identity & Fraud Protection | Home & School | Personal Finance | Life

Jewelry Theft or Loss During Travel Has Doubled, Study Finds

By: America's Credit Union
August 9th, 2019

More and more travelers are returning home missing something of significance, according to a national survey on traveling with jewelry conducted by Jewelers Mutual Insurance Group.

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Home & School | Life

Meals on Wheels Drivers Use App to Help Monitor Homebound Seniors

By: America's Credit Union
June 12th, 2019

Meals on Wheels America is expanding a research program showing how Meals on Wheels drivers can use a mobile app to alert care coordinators about observed changes in homebound meal clients' physical or mental health, social needs or home environment.

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Insider | Life

98.6% of American Manufacturers are Small Businesses, Struggling to Hire

By: America's Credit Union
May 31st, 2019

98.6% of American manufacturing companies are small businesses, and 75.3% of those businesses have fewer than 20 employees, according to data gathered by SCORE, mentors to America's small businesses.

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Membership in America’s Credit Union is open to anyone who lives or works in Dallas, Rockwall or Collin Counties, Texas, and their family members. Employees of select employers may also be eligible. See our Membership page for details.