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  • 1. Basics about bankruptcy Views: 386 Public
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    Terms of Use: When the amount of debt you have seems impossible to ever repay, one of the options you may consider is filing bankruptcy. This option, of course, should never be entered into lightly. Be sure that you have researched the pros and cons, and that you have considered alternatives to taking this drastic step. Discharging your Debts Having your debts erased is called getting a discharge of your debts. A discharge is actually a court order that proclaims that you do not have to pa  More...
  • 2. The Money Express article series introduction Views: 267 Public
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    Putting You in Control of Your Financial Life Managing money is a critical life skill that many of us have never really mastered. Good money management skills help you get ahead financially and help prevent others from taking advantage of you. That's where The Money Express comes in. It's AmeriCU's way to provide useful financial information in understandable terms. You see, although some of the concepts can be a little tricky, we have written it to be understandable by all ages.   More...
  • 3. Does AmeriCU offer any scholarship programs? Views: 260 Public
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    AmeriCU has two scholarship options available, the AmeriCU Credit Union Scholarship Program and the New York Credit Union Association Scholarship Program. Please note: As these are two different scholarship programs, you must fill out both applications and send them with any accompanying material separately. Incomplete packets will be disqualified. Scholarship Applications: AmeriCU Credit Union Scholarship Application - Click Here>> New York Credit Union Association Scholarship Applic  More...
  • 4. The facts on identity theft Views: 134 Public
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    Terms of Use The Facts on Identity Theft Identity theft occurs when someone uses your bank account number, Social Security number, credit card, or other personal information for his or her own purposes like opening an account, making purchases, applying for a loan, or getting a tax refund. It can be months before the theft has been discovered. How does it happens? They steal your wallet and purse containing your identification and credit and bank cards. They steal your mail, including your bank  More...
  • 5. Quick Cost Cutting: Car Rentals Views: 131 Public
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    Terms of Use: For quick cost cutting on your next car rental , try this: Go off-site. Renting from airport car rental facilities is often more expensive. Check out nonairport locations to see if you can save on rental rates. Go on-line. Check out rental rates on sites such as Expedia, Orbitz, Travelocity, BookingBuddy, CarRentals.com, and Vroom Vroom Vroom for the lowest rates by city or airport location . Be sure to compare all-in costs including taxes and fees . You can also go direc  More...
  • 6. What should I do if I can't make my mortgage payment? Views: 107 Public
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    Terms of Use Call or write to your lender as soon as possible. Clearly explain the situation and be prepared to provide him or her with financial information. Talk to your lender or a HUD-approved counseling agency for details. Listed below are a few options that may help you get back on track. For FHA loans: Keep living in your home to qualify for assistance. Contact a HUD-approved housing counseling agency (1-800-569-4287 or TDD: 1-800-877-8339) and cooperate with the counselor/lender trying  More...
  • 7. Tons of Ways to Save Money Views: 106 Public
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    Terms of Use Transportation Airline Fares Car Rental New Cars Used Cars Auto Leasing Gasoline Car Repairs Insurance Auto Insurance Homeowner/Renter Insurance Life Insurance Banking/Credit Checking Savings and Investment Products Credit Cards Auto Loans First Mortgage Loans Mortgage Refinancing Home Equity Loans Housing Home Purchase Renting a Place to Live Home Improvement Major Appliances Utilities Electricity Home Heating Telephone Service Other Food Purchased at Markets Prescription Drugs F  More...
  • 8. What things should I consider when buying a used vehicle? Views: 97 Public
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    Terms of Use Before you start shopping for a car, you’ll need to do some homework. Spending time now may save you serious money later. Think about your driving habits, your needs, and your budget. You can learn about car models, options, and prices by reading newspaper ads, both display and classified. There is a wealth of information about used cars on the Internet: enter used car as the keywords and you’ll find additional information on how to buy a used car, detailed instru  More...
  • 9. What information should I be looking for on my credit report and how do I correct any errors? Views: 95 Public
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    Terms of Use Your credit report is an important piece of your credit history and should be reviewed in detail. It's especially important to check your credit report (which details how well you pay your loans, bills and credit card purchases) before applying for a loan or other credit, to know where you stand. Check the accuracy of the following information on your credit report: Name. Ensure the spelling of your name is accurate. Address. Ensure your current and previous addresses are accu  More...
  • 10. Tips for finding the best used car Views: 95 Public
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    Terms of Use Buying a used car is a great way to stretch your dollar, but you'll want to learn these used car facts BEFORE you shop. GET THE USED CAR FACTS FIRST The price of new cars has steadily climbed over the past few years making used vehicles more attractive than ever. Because new vehicles lose so much of their value as soon as they're purchased, car shoppers are increasingly turning to previously owned cars as a smart financial alternative. Today, thanks to manufacturing and  More...

All information provided through this site is intended to be accurate. However, there may be inaccuracies from time to time which we will make every attempt to correct immediately. Information provided is intended to assist you in making decisions and does not eliminate the need to discuss your particular circumstances with a qualified professional.