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AmeriChoice Makes Holidays Brighter for 42 Kids with “Shop With A Cop” Support
Mechanicsburg, PA (December 21, 2023) – This holiday season AmeriChoice Federal Credit Union rallied its employees and partnered with several area police departments to support Shop with a Cop. For ...
Financial Literacy Quarterly Newsletter
AmeriChoice Makes Holidays Brighter for 42 Kids with “Shop With A Cop” Support
Mechanicsburg, PA (December 21, 2023) – This holiday season AmeriChoice Federal Credit Union rallied its employees and partnered with several area pol...
Credit FAQ
We’re always asked about credit and credit scores and why they’re so important. We asked our Vice President of Consumer Lending, Brad Grissinger, the ...
Personal Financial Analysis
If your boss asked you if you would like to get a raise each month, would you say YES? If you can have your mortgage paid off in half the time, would ...
For the Kids
Credit Union Membership is something that could be with a person from their first account until they retire. When we say, “once a member, always a mem...
Auto Loan Refinance 1% cash back
Remember when you bought your car and signed all the paperwork? Buried in the stack of papers somewhere was the information on the financing with the ...
New Years Savings Goals
“New Year, New Me!” is a phrase we hear constantly from the end of December through January every year. Everyone has big plans about how they’re going...
Home Equity Loans
Over the past year, we’ve found ourselves at home more than we would usually be, or maybe even like. You’re probably noticing things around your house...
Give Your Credit Score an Instant Boost
How a Second Credit Card Can Help You in Minutes Figuring out how to achieve a positive credit score and then keep it that way doesn’t have to be hard...
Breaking Out the Piggy Bank
How to Talk to Kids about Finances During Uncertain Times There is no easy time to talk to your kids about finances, money, and economics. Even adults...
Save Like a Pro
Does it ever seem like everyone has a much easier time saving money than you do? Like everything else in life, good financial practices need to be jus...
Financial Literacy: Why It Matters and How to Improve Yours Today
In a rapidly changing world, people are less confident than ever with their money managing skills and their financial literacy. Even though thanks to ...
How to Reset Your Emergency Fund after an Emergency
You’ve scrimped and saved for months, finally built your emergency fund to where you want it to be, and then suddenly, your car dies. Or there is a fl...
Trimming the Fat in your Food Budget
Everyone has to eat, and the cost of that food consumes a big piece of most people’s paychecks. According to a USDA Economic Research Service report, ...
What is the difference between APY and APR?
We have been receiving questions about interest rates with APY and APR. How are they factored in for loans and investments? How can one word make such...
Easy Actions to Teach Kids About Money
[Question] What should you consider when teaching your kids about budgets and saving? Teaching children about finance, or anyone for that matter is a ...
5 Questions to Determine if You Know the Smartest Way to Use a Credit Card
What’s the smartest way to use a credit card? Responsibly. In order to take advantage of credit, raise your credit score, and get rewards through your...
The Top Financial Issues U.S. Families are Facing Today
Overcoming financial hardship is one of the underlying themes of the American dream. Many Americans are concerned with financial problems in their lif...
Do You Believe These 11 False Financial Facts?
These 11 money myths are still believed by many. It’s time to stop the misinformation and provide legitimate financial tips for young adults! Here are...
Get Smart About Financial Literacy
Community service and involvement is a big part of what makes Credit Unions so great. Part of being involved in the communities we serve is working wi...
13 Easy Ways to Avoid Common Holiday Scams
The holidays are one of the most exciting times of the year – for families and scammers. As spending is on the rise in November and December, so are t...
13 Holiday Spending Statistics that May Surprise You
Happy Thanksgiving! Or should we say – Happy Black Friday! You’re probably aware that Thanksgiving is a prime time for Holiday shopping. In fact, you ...
5 Holiday Budgeting Tips to Help You Keep Your Sanity
It’s no secret that the Holiday season is full of joy – and full of costly expenditures. Use these holiday budgeting tips to make sure you’re not over...
How Many Transfers Can You Make from Your Savings in a Month? [FAQ]
One of our most frequently-asked questions is how many transfers from savings to checking are allowed in one month. Our savings account transfer limit...
Debt Collection Basics: What to Do if Your Debt Goes to a Collector
Approximately 30 million Americans had a debt in collections in 2013. The debt collection process can seem scary. You hear horror stories about the wo...
How to Get Your First Credit Card as a Teenager
If you’re under 21, how easy is it to open a credit card? Thanks to legislation in the past ten years, not as easy as it used to be – but certainly no...
Online Banks vs. Traditional Banks vs. Credit Unions
With 62% of Americans now listing digital banking as their primary method of banking, it’s easy to see why more online-only banks are popping up by th...
Breaking Down 4 Types of Mortgages for First Time Buyers
First time home buyers are estimated to make up 35% of all home purchases in 2017. Your first venture into the world of real estate can be overwhelmin...
Use These 7 Hacks to Repair & Raise Your Credit Score
While the average American’s FICO credit score is 700, which is considered fair, there are still many who struggle with their score’s limitations. May...
How You Should Use a Personal Loan to Improve Your Finances
Personal loans are incredibly popular due to their low interest rates and how quickly you’re able to get access to the funding. But for those who have...
The Pros and Cons of the Store Credit Cards in Your Wallet
How many credit cards do you have in your wallet? Were any of them impulse decisions made at a cash register when offered a discount to sign up? Many ...
Busting 7 Common Misconceptions about Credit Unions
Credit unions only make up 7.1% of the financial market share but consistently score higher in customer satisfaction than banks. Why then do so many c...
The Guide to Understanding Your Credit Report
Have you ever wondered how to read a credit report from Equifax, Transunion, or Experian? Credit reports play a huge factor in determining your credit...
The Optimal Timeline for Buying Your First Home
Purchasing a home is a major financial decision. It’s important to come prepared. While the length of time it takes buyers to get from point A to poin...
13 Important Questions to Ask your College Financial Aid Office
Whether you’re getting ready to attend college, or you’re currently enrolled, it’s vital to utilize the financial resources available to you. One of t...
How to Find a Checking Account that Fits your Needs
Searching for a new checking account can be overwhelming. There are thousands of financial institutions out there, from online-only banks to local cre...
These New Credit Reporting Changes Could Affect Your 2017 Credit Score
Millions of Americans are set to benefit from new credit reporting laws going into affect by July 1, 2017. In a statement made by the Consumer Data In...
Money Orders Vs. Cashier’s Checks: Which Option Should You Choose?
When a seller wants a form of payment that is historically secure and offers guaranteed funds from a buyer, they turn to money orders or cashier’s che...
Breaking Down the Difference Between a Home Equity Loan and HELOC
There are a multitude of benefits to being a homeowner, but one benefit that is often overlooked is the ability to leverage the equity in your home fo...
How to Afford a College Degree in Three Simple Steps
If you’re getting ready to apply for college and know nothing about financial aid, or are simply searching for better ways to pay for college, you’re ...
New Years Savings Resolution
Did you begin 2017 with a New Year’s resolution? Perhaps you pledged to learn a new language, become healthier by looking out between Kratom Extract v...
The Real Difference between Credit Unions and Banks
Credit unions have been around since the mid-1800s, yet many consumers are still unaware of what a credit union is or how it differs from a traditiona...
Twists on the 52 Week Savings Challenge Finally Make Saving Easy
It’s no secret that many Americans struggle with saving. In fact, this BankRate survey found that only 37% of respondents could pay for a $500 – $1,00...
How to Use a Credit Card to Improve your Credit Score
Using credit cards wisely is one of the best ways to gradually improve your credit and increase your credit score. However, using credit cards to buil...
13 Financial Terms You Should Know
When FINRA Investor Education Foundation distributed a 5-question survey to test financial knowledge to over 25,000 adults, only 39% were able to answ...
Top 5 Ways To Prevent Insufficient Funds on your Debit Card
We’ve all been there. Ready to buy a huge pile of groceries which have already been bagged, when the cashier quietly informs you that your debit card ...
How to Properly Write a Check
The rise in electronic payments and mobile banking technology has quickly overshadowed traditional check-writing. In 2013, the Federal Reserve found t...