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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 | 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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Home & School | Personal Finance

Get Yourself Cyber-Secure

By: America's Credit Union
May 13th, 2019

The National Cyber Security Alliance (NCSA) and the Better Business Bureau (BBB) have teamed up to remind everyone that when clearing out clutter, don't forget about the critical need to take action and protect your volumes of valuable information.

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Insider | Home & School | Personal Finance | Youth News | Life | Budgeting

Americans Are Spending More on Pets Than Ever Before: $72 Billion

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

The American Pet Products Association (APPA) has released new annual industry-wide spending figures, which exceeded the previous year's spending by more than $3 billion. Americans are showing love for their pets as never before.

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Car Buying | Personal Finance | Life | Budgeting

The Most Popular Cars Driven by Millennials

By: America's Credit Union
April 4th, 2019

What are the favorite vehicles among young adults aged 22 to 37 (millennials) these days? Online insurance marketplace QuoteWizard wanted to know the answer, so it surveyed millennials in all 50 states.

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

The Impact of Taxes in Retirement

By: America's Credit Union
February 15th, 2019

A recent Nationwide Retirement Institute survey finds nearly two in five retirees (37 percent) admit they did not consider how taxes would affect their retirement income when planning for retirement. As a result, they may have lost the opportunity to save an additional six years' worth of income in retirement.

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Personal Finance | Savings Plan

More Than Half of Americans Can't Cover a $1,000 Emergency with Savings, According to LendingTree Survey

By: America's Credit Union
February 6th, 2019

Only 48 percent of Americans say they could handle a $1,000 emergency expense using cash or savings in their bank accounts, a survey from online loan marketplace LendingTree finds.

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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.