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America's Credit Union

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Home Prices | Budgeting | Home and Mortgage | Mortgage Payment

Wondering "Should I Refinance My Mortgage?" [Expert Tips Inside]

By: America's Credit Union
March 31st, 2022

Hard-working community members deserve the best possible mortgage interest rates and terms. Homeowners whose financial situation has changed over the years sometimes wonder whether they should refinance their mortgage. Although refinancing may improve your financial health and wellbeing, it’s a process that should not be taken lightly. Before refinancing a mortgage, thoughtfully consider long-term changes and be sure you fully understand the answers to the following questions.

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Home Prices | Budgeting | Home and Mortgage | Mortgage Payment

How Does Debt Consolidation Work?

By: America's Credit Union
March 28th, 2022

Americans average about four credit cards per person with an average balance of about $8,000. Add in a car payment and an outstanding medical bill, remembering to make all those monthly payments or struggling to meet the minimum payment are the main reasons people look at debt consolidation. Instead of making multiple monthly payments, consumers consolidate their debts into one monthly payment, often at a lower interest rate and monthly payment.

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Home & School | Youth News | Life

7 Reasons Why Your Child Needs a Kids Savings Account

By: America's Credit Union
March 23rd, 2022

If you want your child to be a financially responsible adult, get started today by teaching them how to properly manage their money. Teaching your children how to earn, manage, and save money will provide them with the fundamental tools they need to achieve financial success in the future. Opening a kids savings account for your children is a great way to educate them about money and start early healthy savings habits. Here are some of the ways a kids savings account can help your child grow into a money savvy adult.

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Investing & Retirement | Budgeting | Savings Plan

6 Ways A Financial Advisor Can Improve Your Future

By: America's Credit Union
March 16th, 2022

When focused on accumulating wealth, it’s not uncommon to lose track of the reason for our hard work. Growing bank accounts provide a feeling of increased financial stability. But accumulating these resources is not necessarily a goal in and of itself. Money remains vital but is only a tool used for achieving our goals. Turning those resources into a fulfilling future requires the professional skills of a trustworthy financial advisor.

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Identity & Fraud Protection | Personal Finance | Life | Credit Cards

What to Do When You’re the Victim of a Credit Breach

By: America's Credit Union
November 13th, 2020

Nearly half of cardholders (47%) reported that their personal information was exposed in a data breach over the last year, with 14% experiencing this more than once. Consumers may want to take stronger steps in protecting their identity to avoid being a victim. Credit card comparison site CompareCards offers these tips:

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Personal Finance | Credit Cards

The Best Credit Card Rewards Available

By: America's Credit Union
November 10th, 2020

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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Personal Finance | Credit Cards

How to Build Credit with a Credit Card

By: America's Credit Union
October 30th, 2020

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 | Investing & Retirement | Life | Budgeting | Savings Plan

How to Save Thousands of Dollars a Year

By: America's Credit Union
May 22nd, 2020

“Where does it all go?” is a question asked by many working Americans who seem hard-pressed to save any money toward emergencies and retirement. However, the answer may be steaming in our hands each morning.

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Identity & Fraud Protection | Personal Finance | Life

Creating a New Cyber Identity

By: America's Credit Union
May 12th, 2020

In today's hyper-connected world, and especially now during the global pandemic, it's important to think about a new, improved digital you. Cyber scams related to COVID-19 are online, but by taking some smart, simple steps, you can greatly impact the safety and security of your online identity, according to the National Cyber Security Alliance (NCSA).

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Home & School | Personal Finance | Investing & Retirement | Life | Budgeting | Savings Plan

Household Budgeting For Today's Environment

By: America's Credit Union
May 5th, 2020

The coronavirus situation has created a number of new challenges for our society. Among other things, many people are now facing the reality of a reduced household cash flow. If you're accustomed to operating with a set budget for your monthly expenses, you've no doubt seen how it affects your efforts to make ends meet, but if you've never really put it down on paper, now may be the time to get started. While it might seem like a daunting task at first, once you have a budget in place you'll find how it makes everything easier, and maybe even wonder why you didn't do it sooner.

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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.