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- All
- Budgeting
- Credit & Credit Scores
- Fraud & Scam Prevention
- Home & Auto
- Life Events
- News & Announcements
- Saving
- Uncategorized
Manage Your Credit Cards Better
U.S. consumers are once again increasing their collective credit card debt, which now exceeds $1 trillion. The Credit Card Accountability, ...
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Credit Union Credit Card – Show Your Wallet Some Love!
Many people have realized how inconvenient it is to carry cash and are carrying just debit cards in their wallets. ...
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When Times Are Tough We Can Help
In tough times, it’s more important than ever to develop and maintain good financial habits. Having a household budget and ...
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Babysitting Is a Great First Job
Whether you love kids or just want to earn some spending money, babysitting is a great first job. To have ...
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Cut Your Energy Costs Day: 10 Practical Tips for a Greener Home and Wallet
Welcome to Cut Your Energy Costs Day – a day dedicated to making small changes that can lead to big ...
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Mastering Financial Wellness: A Guide to a Prosperous Year
As we step into the new year, let’s make it a point to prioritize our financial wellness. January is the ...
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How To Get a Great Price on Your Next Car
Are you thinking of buying a car, but want to make sure you get the best price? Here are a ...
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Online Purchase Scams: Tips and Insights
The rise of e-commerce has brought unprecedented convenience to our lives, making it easier than ever to shop online. However, ...
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Smart Money Moves: Embracing National Savings Day for Financial Success
Financial stability and security are essential components of a happy and stress-free life. While many people dream of financial freedom, ...
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Navigating Your Financial Future: Celebrating Financial Planning Month
October is a month filled with autumn leaves, pumpkin spice lattes, and the anticipation of Halloween costumes. But did you ...
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Cybersecurity Awareness Month: Protecting the Digital Realm
In today’s interconnected world, cybersecurity has become an essential aspect of our daily lives. With a significant portion of our ...
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Protecting Yourself from Lottery and Sweepstakes Scams: What You Need to Know
Lottery and sweepstakes scams have been around for decades, preying on the hopes and dreams of unsuspecting individuals. These scams ...
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Leveraging Personal Loans to Settle Past-Due Utility Payment
In today’s fast-paced world, managing finances can sometimes become a challenging task. Unexpected expenses, emergencies, or even temporary financial setbacks ...
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Protect Yourself from Tech Support Scams: How to Stay Safe
In the ever-evolving landscape of technology, convenience and innovation come hand in hand with new challenges and risks. One such ...
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Four Common Budgeting Methods
Create a monthly budget to track your income, expenses, and savings. This will give you a clear picture of where ...
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Protecting Yourself from Phishing Attacks: Don’t Get Hooked!
In today’s interconnected digital world, phishing attacks have become one of the most prevalent and dangerous cyber threats. Phishing is ...
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Credit Score Improvement Tips
Improving your credit score can take time and effort, but it’s definitely achievable with the right strategies. Here are some ...
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House Buying Essentials
When buying a house, there are several important factors to consider. Here are some key things you should pay attention ...
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Protecting Hearts and Wallets: Unveiling the World of Romance Scams
Love, they say, makes the world go round. In the digital age, where connections transcend borders and distances, finding love ...
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Why Central PA Car Buyers Should Choose a Credit Union for Their Car Loan: Top Benefits and Considerations
When it comes to financing a car in Central Pennsylvania, many people automatically turn to traditional banks or dealerships for ...
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Elder Financial Exploitation
Older adults are more at risk for financial exploitation due to having a steady income, retirement savings, and accumulated wealth. ...
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Heritage Valley FCU Can Help Fill College Funding Gaps
College is a big investment, which is why it’s important to know your options, plan ahead, and choose wisely to ...
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The Credit Union Difference
Not For Profit Credit unions are not-for-profit financial cooperatives that exist to serve their members. Unlike banks, they do not ...
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Home Improvement Projects: It’s Not Just About Being “Handy”
When it comes to home improvements, Heritage Valley has the best financing options. But should you do projects yourself or ...
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Rainy Day Fund vs Emergency Fund
What is a Rainy Day Fund? Saving for a “rainy day” means having some money set aside for irregular expenses ...
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Online Romance & Dating Scams
Roses are red, violets are blue, and we all know that not everything – or everyone – online is true. ...
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Data Privacy Week 2023
Data Privacy Week is an annual campaign to spread awareness about data privacy and educate individuals on how to secure ...
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52 Week Savings Challenge
If one of your resolutions is to save more money, then it’s not too late to start the 52-week savings ...
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Smart Ways to Spend Your Annual Bonus
As we approach the end of the year, the holidays are in full swing meaning family time, parties, and gift ...
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4 Common Holiday Scams and How to Avoid Them
The holiday season is a time for giving, but it is also prime time for scammers. Listed are some of ...
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Review Your Financial Situation Regularly
To stay in good physical health, most people get a medical check-up on a regular basis. To keep your finances ...
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Top 5 Tricks for Increasing the Value of Your Home
Whether you’re about to list your house for sale on the market or you’ve just moved in and plan to stay ...
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5 Reasons to Consolidate your Debt with Heritage Valley
There are several ways to manage your debt, and Heritage Valley is here to help you get it under control. ...
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Why Your Next Car Loan Should be From a Credit Union
If you’re in the market for a new automobile, maybe you think the easiest way to get your dream car ...
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Home Remodeling: What Questions Should You Be Asking?
Thinking about renovating your home? Make sure you’re prepared by choosing a well-liked and trusted contractor. Choosing the right contractor ...
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How to Eat Healthy on a Budget
Many people have become more health-conscious in recent years. By exercising and eating a healthy diet, we know we’ll live ...
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Spring Clean. Spring Ka-Ching!
Did you finish spring cleaning and find a bunch of stuff to sell? Here are some places to unload it ...
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Teaching Teens Financial Responsibility
When your kids were little, you frequently heard requests such as “Will you read me a story?” or “Can we ...
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Five Ways to Use Your Tax Refund This Year
If you’re expecting a tax refund this year, now is the best time to start planning how you’ll use that ...
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Out in the Open: Landscaping Key to Home’s Value
You don’t have to get away to the great outdoors. The best outside spaces could be in your own back—or ...
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Romance Scams: What to Look for and how to Avoid Them
What are Romance Scams, and how do they work? Criminals create fake online dating, and social media profiles to reach ...
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How to Take Back Control of Your Data This Data Privacy Week
From social media to online shopping, our lives and the digital world become more and more intertwined every day. And ...
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5 Easy Tips to Make Debt Consolidation Work for You
According to Debt.org, credit-card-carrying American households owe $15,000 on average in credit card debt alone, and the Federal Reserve Bank ...
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Saving Money When There’s Not Much to Save
Many Americans struggle financially, living paycheck to paycheck, hoping they have enough to cover all their bills at the end ...
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4 Signs You Need to Clean Up Your Finances
It’s easy to see when your house needs cleaning: clothes are on the floor; dirty dishes are stacked in the ...
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Get the Most from Your Back-to-School Shopping
It’s officially August, and the kids are going back to school at the end of the month, which means back-to-school ...
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The Key to a Successful Budget Is Minimalism
The easiest way to abandon your budget? Make it complicated and tedious. A minimalist budget can help you clarify your ...
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Plan Meals to Save Money
Planning your family’s menu can save you money and prevent waste. Monthly menu planning can curb food waste, improve nutrition, ...
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Before You Sign a Lease…
Are you planning to move to rental housing soon, possibly for the first time? Do your homework, or you could ...
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How to Go Branchless with Heritage Valley FCU
Totally branchless banking has increased lately, but many are still skeptical. In 2014, Bankrate released a study saying that more ...
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How Much Home Can I Afford?
Buying a home can be an exciting time. It’s also a significant decision that should be carefully thought through. Before ...
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Help Kids Get Money-Savvy
One of the most important life skills you can teach your children is how to manage their own money. The ...
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Watch Your Money Grow
Do you know your regular allowance, gift money, or money you earn for jobs you do can make more money? ...
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5 Smart Money Moves to Make This Fall
As the leaves begin to change color, it’s time to start thinking about your year-end money strategy. The fall and ...
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It’s Time to Winterize Your Home
Not surprisingly, energy costs will rise again this winter as consumers try to keep their homes warm and toasty. Residential ...
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6 Ways to Handle Unexpected Vet Bills
If you’re an animal lover with a few pets, you do your best to take care of your furry, feathered, ...
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The Credit Union Difference: Reaching Out to Those In Need
Credit unions are unique in the world of financial institutions. Nowhere is the credit union difference more vivid than in ...
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Payday Loans Aren’t Worth the Cost
When money is tight and you don’t know if you’ll be able to make your rent or keep the lights ...
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Family Finances: The Importance of Keeping Everyone Informed
In your household, does one person handle all the finances? Who pays all the bills, files the joint taxes, deals ...
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Affording Your First Apartment
Figure out how much rent you can afford. Find an apartment that costs between 25-35% of your gross monthly income ...
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Understanding ACH
The financial world is filled with abbreviations and acronyms, and if you’re not used to seeing it every day it ...
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Understand Your Summer Paycheck
Ever wonder what happens to the money in your paychecks from your summer job? You’ll soon find out that you’re ...
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Travel Hacks to Keep You Out of Harm’s Way
Traveling to new cities and countries is fun and exciting. To make sure you have a great time and only ...
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Teenage Driver’s Dilemma: How to Afford It
Learning how to drive a car is one of the big milestones in a teenager’s life. Learning how to pay ...
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Seven Ways College Students Waste Money
Going to college is expensive, no doubt about it. Between textbooks, tuition, housing, utilities, and maintaining a social life, managing ...
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Personal Finance Hacks for Students
College years are the time when many people establish financial habits that will carry them for the rest of their ...
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Heritage Valley Can Help Pay for College
If your federal student loans don’t cover all of your education expenses, and you’ve used up all other sources of ...
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Tap Your Home’s Equity
If you need cash to remodel your kitchen or bath, a home equity loan or home equity line of credit ...
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A Home Equity Loan Can Help You “Go Green”
Many Americans are looking for ways to reduce their carbon footprint and live sustainably. Is it possible to help the ...
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Prepare Financially If Facing Job Loss
There’s no denying these are stressful times. In addition to worrying about contracting COVID-19, many people are losing sleep worrying ...
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Check Your Free Credit Reports Throughout the Year
It’s important to check your credit report at least once annually to monitor for signs of identity theft or fraud, ...
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4 Staycation Ideas for this Summer
Does 2020 have other plans for your summer fun? That destination vacation may be canceled, but there are plenty of ...
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Strategies to Make College More Affordable
With the price of college still on an upward trajectory, families are looking for ways to make higher education affordable. ...
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HVFCU Receives CUNA’s Benefits of Membership Award
Heritage Valley Federal Credit Union has been recognized by CUNA (Credit Union National Association) for being among the best at ...
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Emergency Fund—Start Small, Think Big
Many people wonder how they can build an emergency fund when they’re trying to pay off my debts. It isn’t ...
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5 Reasons Credit Unions Offer the Best Auto Loans
The average cost of a new vehicle today is around $37,000. The purchase of a car likely will be the ...
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14 Tips for Planning a Family Road Trip
Family road trips can become some of your most treasured memories…or your biggest headaches. With a little planning and a ...
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Living Sustainably Saves Resources and $$
Each day, we see the consequences of a “throw-away” society and businesses putting short-term profits above long-term environmental impacts. Our ...
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Managing Your Finances During the COVID-19 Pandemic
The COVID-19 pandemic is not only causing fear and uncertainty about our health but our livelihood as well. Many wonder ...
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Why Credit Unions Want to Make Your Kids Financially Strong
All parents want their kids to grow up healthy. But most of the time that discussion focuses on getting them ...
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Taking Care of Business During a Pandemic
The COVID-19 virus has impacted everyone’s life and regular routines are being affected, including taking care of banking needs. Fortunately, ...
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Beware of Coronavirus Scams
Scammers are notorious for capitalizing on fear, and the coronavirus outbreak is no exception. Showing an appalling lack of the ...
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5 Ways Good Credit is Your Safety Net
A healthy savings account is your best defense against life’s curveballs. But sometimes setting aside some money every paycheck isn’t ...
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Refinance Your House
You might be one of many Americans who could benefit from refinancing your home. About 3 million borrowers could save at least ...
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Understand How Mortgage Interest Rates are Determined
Every potential homeowner wants to get the lowest interest rate for their mortgage loan, but not everyone understands the factors ...
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Steer Clear of Automobile Fraud
When a used car deal seems almost too good to be true, it probably is. Since this is a major ...
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Heritage Valley FCU Can Help You Grow Your Family
Adopting a child, whether from the United States or abroad, can be prohibitively expensive. More than 90% of international adoptions ...
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Help Your Teen Find the Right Car
It’s essential to consider safety, affordability, and reliability when purchasing a teen’s first car, according to William Van Tassel, Ph.D., ...
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Origami Money Heart
Learn to make this origami money heart for the special someone in your life! Instructions from the book ‘Easy Dollar ...
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Figuring Out Tax Withholding
Are you getting more than $2,000 in your tax refund every year? If you are, you may be over withholding, which ...
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What Newbie Home Buyers Need to Know
Buying your first house is an exciting time, but it can be a little scary as well. To minimize your anxiety, the following will ...
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Smart Phone, Smart Saver
Phone apps have changed our lives We now have, at our fingertips, the ability to access information 24/7, wherever we ...
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A Personal Debt Assessment: Your Financial Life Preserver
Do you feel like you’re drowning in debt? Trust your instincts. The national average credit card debt per household is ...
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6 Ways to Get Financially Fit in 2020
About half of Americans make New Year’s resolutions each January, but only about 20% of people keep them. Getting into ...
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Bad Money Habits and How to Fix Them
Learning how to use money wisely is an essential skill that isn’t always taught to us as children. Some of ...
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Tips for Black Friday and Cyber Monday Shopping
The holiday season is approaching and with that comes the biggest shopping days of the year, Black Friday and Cyber ...
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Health Savings Accounts Explained
Health-care costs in the U.S. continue to grow, topping $3.65 trillion in 2018. To ease this burden, the Medicare Modernization ...
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Earn Quick, Extra Money for the Holidays
Millennials are no strangers to the side hustle – that second job or occasional gig so many have taken on ...
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Identity Theft and Internet Scams
Today’s technology allows us to connect around the world, to bank and shop online, and to control our televisions, homes, ...
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E-Skimming
Skimming Online Customer Payment Data From Website Checkout Forms The Internet touches almost all aspects of our daily lives. We ...
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Online Privacy
The Internet touches almost all aspects of our daily lives. We are able to shop, bank, connect with family and ...
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Cybersecurity While Traveling
In a world where we are constantly connected, cybersecurity cannot be limited to the home or office. When you’re traveling— ...
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To Pay Down Debt, First You Have to Save
When you want to pay off debt fast, that impulse often means depleting your savings. So how do you pay ...
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Saving Practices Made Easy
It’s easy to postpone starting to save for a later day, but a solid plan is key to success. By ...
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5 Tips for Getting the Best Deal on a New Car
So, you’ve found the perfect car. You’ve shopped around, and this car has your name on it. Well, not quite ...
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10 Money Saving Tips from a Member
One of your fellow Heritage Valley Members wished to share some tips and tricks that helped them save some money. ...
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Couples, Sync Your Retirement Plans
One way to ensure a happy marriage well into your retirement years is to create a retirement plan with your ...
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Carelessness Can Cost You
Many Americans are concerned about someone stealing their credit card, check, or debit card numbers, but they may be ignoring ...
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Elder Financial Exploitation
To con artists, down-on-their-luck relatives, or opportunistic acquaintances, they are gold mines. Individuals over the age of 50 control 70% ...
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Financial Safeguards for Single Parents
Single parents face the same financial challenges that two-parent families do, but they typically have less time and money to ...
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August 8th is National Dollar Day
On August 8th, 1786, Congress established the U.S. monetary system. To celebrate, grab that dollar, and learn how to make ...
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10 Ways to Save on Back-to-School Shopping
According to the National Retail Federation, the average American household spends $685 on back-to-school shopping for children in elementary through ...
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Home Equity Loans: Low-Cost, Tax-Advantaged Credit
If credit card payments are eating up your disposable income each month, or if you need cash to remodel your ...
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College Expenses to Budget For
Are you planning for college? Getting a college degree is a great investment, but it does come at a significant ...
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Unplug Your Kids from Technology with Summer Camp
Children are increasingly becoming dependent on TV, game consoles, or other electronic devices for entertainment. Summer breaks often means they’ll ...
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Need Extra Income? Use Your Phone to Score Side Gigs
Are you looking for extra money this summer? Technology has made it easier than ever to bring in extra income ...
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Summer Sun, Fun … And Money!
Summer is around the corner and you’re going to have a lot of free time. It’s also a great time ...
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10 Cheap, Fun Things to Do in the Summer
If your budget says a big summer vacation is out of the question, here are some inexpensive options for immersive ...
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How to Save When You’re Invited to Everyone’s Wedding
Wedding season is upon us and soon you may see a few wedding invitations in your mailbox. What do you ...
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Financial Advice for New Graduates
You did it! You finally got your degree! You’re probably going to start handling all your own finances too (if ...
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On the Money with Food
Are you looking for ways to save on meals? Here are a few ideas to help you save when eating ...
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Financial Literacy Quiz
How financially literate are you? Do you have the skills and knowledge to spend money wisely, save for emergencies, use ...
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Teach Your Children Financial Independence
Are your kids on the right track to financial independence? Achieving economic prosperity takes good money skills, and it’s especially ...
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The Best Time to Buy Your Favorite Products
Stores and manufacturers like to offer deep discounts on certain popular products at specific times of the year. If you ...
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