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Seasonal | Car Buying | Personal Finance | Budgeting

Take Advantage of Memorial Day Car Sales With These Tips

By: America's Credit Union
May 24th, 2022

High demand, supply chain hiccups, and a global semiconductor shortage caused the prices of automobiles to rise over the past year. Car buyers reportedly paid 12.2 percent more in 2022 than in 2021. That’s a significant increase and a good reason everyday people need to take advantage of money-saving opportunities. Memorial Day weekend remains an optimal time to buy a car, truck, or SUV, at a reduced cost. Take advantage of these tips to save money and walk away with a vehicle, and car loan, that works for you and your budget.

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Car Buying | Credit Score

What Credit Score is Needed to Buy a Car?

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

Americans have an undying love of automobiles and the sense of freedom they offer. Purchasing a new car or a reliable pre-owned model allows you to travel to favorites restaurants, social events, or just take a weekend road trip to anywhere. Cars, trucks, and SUVs equal freedom, and having the right credit score puts you in the driver’s seat.

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Home and Mortgage | Mortgage Payment | Credit Score

What Credit Score is Needed to Buy a House?

By: America's Credit Union
May 11th, 2022

Purchasing a home typically represents the largest financial investment families make. That’s why lenders take a long look at a mortgage applicant’s credit score, among other factors, to assess whether they can afford the loan and responsibly pay it back on time.

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Car Buying | Credit Score

4 Credit Report Sections You Can't Ignore

By: America's Credit Union
May 3rd, 2022

Some of life’s greatest milestones such as buying your first car or getting the keys to your family’s home typically require the help of financial assistance. Before you seek out an auto loan, mortgage, or other loan option, your first step should be to review your credit report. A quick credit report review can help you identify and fix errors that could result in a higher credit score. These few moments of your time can lead to an increased chance you’ll qualify for a loan and receive a lower loan interest rate saving you money.

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Car Buying | Personal Finance

Lease vs Buy: Which is Best for My First Car?

By: America's Credit Union
April 26th, 2022

First time car buyers have a lot to consider when deciding whether to lease a brand-new car or buy an affordable vehicle they will someday own. While leasing may offer a newer, fancier car with lower monthly payments; obtaining a Car Loan and buying your first car you will someday hold the title to is very (financially) appealing.

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Personal Finance | Budgeting | Savings Plan

Budgeting in Uncertain Times: 11 Ways to Save Every Day

By: America's Credit Union
April 22nd, 2022

Although many Americans are searching for ways to save more money, less than half of Americans use budgeting as a way to save. Making a personal budget not only helps people save but can also help them achieve financial stability. Knowing how much money is needed to cover expenses can help prevent overspending. It can also identify places to reduce spending, allowing for more savings to take place.

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Personal Finance | Credit Score

What is a FICO Score? FICO Score vs Credit Score

By: America's Credit Union
April 20th, 2022

If you are unsure what a FICO score is, and what’s the difference between a FICO score vs credit score, you are not alone. Having the answers to these questions and having a working knowledge of your FICO score and how to manage it could significantly impact your financial health.

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Seasonal | Home & Mortgage Tips | Home Improvements

The 5 Best Home Improvement Projects for Spring

By: America's Credit Union
April 15th, 2022

Homes, like people, are a work in progress. Using the equity you’ve acquired in your home to enhance your home’s features, quality of life, and property value can be a very wise investment. As winter winds down and spring gets closer, it’s time to contact contractors for quotes and to schedule the home improvement projects you are considering. Those who delay may have to wait until late summer or fall to reap the benefits of the upgrades. After finalizing a contractor and quote, keep in mind a home equity loan as a low-interest funding option.

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Personal Finance | Credit Score

What is a Good Credit Score? Credit Score Range Explained

By: America's Credit Union
April 11th, 2022

Credit scores impact our lives every day. Although many of us do not apply for mortgages, credit cards, or other loans daily hoping to be approved based on our credit, credit scores do impact our monthly loan payments, weekly budgets, and even our employment and housing.

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Personal Finance | Budgeting | Credit Score

How to Build Credit in 6 Simple Steps

By: America's Credit Union
April 8th, 2022

Whether you're new to the world of finances and need to learn how to build credit without a credit history, or you’ve made some mistakes and are dealing with a low credit score, you may find yourself wondering how to increase your credit score. There are six steps you can take to learn how to build your credit and create a healthy financial foundation for yourself. By following these, you can enjoy the benefits of a credit-worthy score both now and in the future.

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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.