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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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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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Identity & Fraud Protection | Personal Finance | Life

Stay Vigilant About Recognizing Coronavirus-Related Scams

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

While the coronavirus situation has brought an upheaval to society, it also presents a perfect opportunity for fraudsters to deploy scams upon the general public. The Federal Communications Commission (FCC) has received reports of text message campaigns and phone robocalls offering bogus cures and other virus-related items, all with the intent of scamming the consumer.

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Seasonal | Personal Finance

Three Ways to Make the 52 Week Savings Challenge Work for You

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

It’s never too early to start thinking about your New Year’s resolutions, especially after a busy month of holiday spending! For some, this might mean making goals to eat healthier, stop smoking, read more books, or lose some weight. For others — it’s all about saving money. 

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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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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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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.