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  • 1. The facts on identity theft Views: 541
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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...
  • 2. Basics about bankruptcy Views: 363
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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...
  • 3. Student Loans Views: 179
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    Terms of Use With college costs on the rise, many facing the choice to go to college also have to consider taking out student loans in order to pay for it. The following looks at various options. Be sure to contact the college financial aid office for additional assistance. Before you begin the loan process, look into sites such as Finaid.org or Collegeboard.com to look for scholarships and grants. Since these don't have to be paid back, it's free money. Another option to explore   More...
  • 4. The Money Express article series introduction Views: 145
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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...
  • 5. How do I repair my credit? Views: 137
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    Terms of Use If you want to repair your credit, begin by paying off old debts and correcting any issues on your credit report. Perhaps you've been tempted by the credit repair advertisements you've seen that promise to fix your credit report. The fact of the matter is that there is nothing you can't do yourself (free!) that a credit repair clinic can legally do (for a fee!) to fix your credit report. To request a free copy of your credit report, check out the related link below  More...
  • 6. What are some useful Web sites to help me when buying a new or used car? Views: 132
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    Terms of Use: Here are some helpful Web sites to check out when buying a new or used vehicle: Better Business Bureau - www.bbb.org Carfax, Inc. - www.carfax.com Consumers' Checkbook - CarBargains - www.carbargains.org Edmunds.com, Inc . - www.edmunds.com - gives the True Market Value, or average selling price, for a particular vehicle in your region. Consumer Reports . - www.consumerreports.org/cro/cars.htm Kelly Blue Book - www.kbb.com National Automobile Dealers Association (N  More...
  • 7. Does AmeriCU offer any scholarship programs? Views: 130
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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...
  • 8. What things should I consider when buying a used vehicle? Views: 125
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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 is the Servicemembers Civil Relief Act (SCRA)? Views: 122
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    Terms of Use The Servicemembers Civil Relief Act (SCRA) provides a wide range of protections for individuals entering, called to active duty in the military, or deployed servicemembers. It is intended to postpone or suspend certain civil obligations to enable service members to devote full attention to duty and relieve stress on the family members of those deployed servicemembers. When does the SCRA protect me? Most SCRA protection begins the day you receive your orders to active duty or dep  More...
  • 10. The credit card you pick can save you money Views: 120
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    Terms of Use The credit card you pick can save you money Table of Contents: Credit Card Interest Rates How Much Will You Pay? Credit Card Shopper's Checklist Deciphering the Application Glossary For More Information Smart consumers comparison shop for credit, whether they're looking for a mortgage, an auto loan, or a credit card. Comparison shopping is important because it could save you money. When you're looking for a credit card, be sure to consider the costs and terms. They can  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.