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Equifax Data Breach Pt. I – How to Know If You Are Affected

What happened? According to Equifax, which released a statement today, the company’s database was breached through a vulnerability on its website, exposing the personal information of an estimated 143 million people. What information was accessed? By exploiting Equifax website’s vulnerability, the hackers were able to acquire names, social security numbers, birth dates, home addresses and […]

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Home Equity Loans and Lines of Credit

                    Ruth Jenkins President & CEO Q:  Fall is in the air, and with it comes the promise of cooler weather.  Now is the time many people will consider undertaking home improvement projects.  How can those looking to do home improvements finance their projects? A:  It […]

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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 Are Health Savings Accounts?

                            Ruth Jenkins President & CEO Q: What is a HSA? A: Health Savings Account. It is a tax-deferred savings account to save for immediate or future medical expenses. Q: What makes a HSA tax-preferred? A: 1. Health Savings Accounts contributions made […]

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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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Attend a Seminar on Understanding Medicare

/attend-seminar-understanding-medicare/ Understanding Medicare – When individuals and their families are new to the Federal Medicare program, it can be confusing and frustrating at first glance. If you are retired or nearing retirement, you’ve probably considered the role Medicare will play in your future. Even if retirement is far away, you may have family members who […]

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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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