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SECURITY WARNING: How to Spot a Skimmer

We urge our members to remain vigilant these days when using your credit or debit card while shopping or traveling, especially when using self-checkout lanes, gas pumps and ATMs. Unfortunately, criminals are beginning to overlay skimmers on card readers that are designed to look identical and attach to the face plate of a card terminal, […]

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What to Consider When Buying a Car

              Ruth Jenkins President & CEO Q:  When it comes to financing a new or used vehicle, what should you consider before actually going to a dealership to purchase? A:  Many people hate the car buying process, between the haggling for the best deal possible, to financing the new […]

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When Is Social Security Income Taxable?

When Is Social Security Income Taxable? The answer depends on your income. Your Social Security income could be taxed. That may seem unfair, or unfathomable. Regardless of how you feel about it, it is a possibility. Seniors have had to contend with this possibility since 1984. Social Security benefits became taxable above certain yearly income […]

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Credit Card Travel Notice

Traveling? For your protection, notify us before you leave to prevent your card from being restricted! Providing a travel notification will keep your debit or credit card from being flagged for unusual activity. If we don’t know you’re traveling, purchases you make may be denied. You can let us know at any point before your […]

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All about IRAs

An individual retirement arrangement (IRA) is a personal retirement savings plan that offers specific tax benefits. In fact, IRAs are one of the most powerful retirement savings tools available to you. Even if you’re contributing to a 401(k) or other plan at work, you should also consider investing in an IRA. What types of IRAs […]

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Hidden Credit Card Perks

Q:  Credit Cards have some obvious benefits but are there others that may not be so obvious? A:  When most people think of credit card benefits or perks, they think of low interest rates and rewards. Heritage Federal Credit Union has some of the lowest rates and best rewards in our market. While these benefits […]

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Kids’ Summer Fun On A Budget

Looking for ideas for some summer fun on a budget? You’re not alone! Keeping the kids entertained while on summer break can be an expensive endeavor. Registrations for summer camps, day care and recreation programs are only the tip of the iceberg. You also need to consider transportation costs to and from these programs that […]

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Teach Kids To Set Savings Goals

Your child wants a new longboard ($200) or the latest basketball shoes ($120) but it’s just not in the budget this month-or for the next three months. Rather than a flat-out “No” work with your child to set a savings goal and then help her reach it. Here’s how: Identify the goal. If your child […]

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Family Finance Games For Kids

Usually, paying bills is one of those adult chores that takes time away from family time. It doesn’t have to be that way, though! Getting your kids involved in the family finances can let you take care of your responsibilities and spend time with your children at the same time. It’s easy to say “get […]

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Is Buying or Leasing Right for You?

    Q: Many area auto dealers and financial institutions are advertising some very good loan and leasing rates on their vehicles right now. If you are in the market for a new car, does it make more sense to buy or lease? A: Leasing a car seems like a very attractive option to many […]

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