Financial Education

Heritage Federal Credit Union is here for you. We are here to help our member do better financially. Beyond offering great rates and convenient services, we want you to understand how to make your hard-earned money work for you. From loan calculators to better understanding your IRA, we have the resources you need to learn how to best manage your finances.

  • Checking your credit score - This is probably one of the best financial lessons anyone can learn. It gives you a clear understanding of your basic financial health. Here are four easy steps to check your credit score:
  • Get your credit report – Each major credit bureau gives you one free report a year. Or check annualcreditreport.com, the only free credit reporting website approved by the Federal Trade Commission (FTC).
  • Go over your report – Look over the accounts associated with you and make sure you opened them.
  • Report inaccuracies – Each agency is different, but their processes are well outline on their sites.
  • Stay on it – Checking your credit report periodically is the only way to keep you safe from identity theft and other modern crimes. If you need assistance, Heritage Federal Credit Union is here to help. Our credit monitoring and identity theft product, Fraud Defender, will keep a vigilant watch on your credit history to check for new accounts and other suspicious activity. Call, click, or stop by Heritage Federal Credit Union today to find out how we can make your life easier!

Financial Security Tips

  • Never give out personal information via email, phone or text message.
  • Do not share account numbers, PINs or access codes.
  • Use different passwords for different online accounts and services.
  • Make sure online transactions are secure.
  • Log off when you are done accessing a web site.
  • Keep your computer secure with the most up-to-date security software.
  • Check your credit report annually.
  • Be wary of sudden warnings regarding your account.
  • Ask about a company’s privacy policy
  • Shred personal information before it goes in the trash.
  • Be suspect of offers that sound too good to be true!
  • Do not choose “remember password”
  • Change your passwords frequently

 

Another great resource is OnGuardOnline.gov. The Federal Trade Commission launched the site to help you be safe, secure and responsible online. It has great tips along with educational material for all ages. OnGuardOnline.gov is a partner in the Stop Think Connect campaign. Led by the Department of Homeland Security, part of the National Initiative for Cybersecurity Education, and the National Institute of Standards and Technology.

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