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Money Tips When You Travel

At Allegacy Federal Credit Union, we believe in pursuing wellness on every level and travel can be great for gaining a new perspective, making plans and creating your tomorrow. We want to help you have the best trip ever. Review these tips to make sure you and your payment cards are ready! Before you leave: If you plan to use your … Continue reading

Lifestyle Choices Lead to Better Health

When it comes to our health, we sometimes struggle to establish or maintain good habits. We often lack the discipline or willpower to make wise choices in the face of the myriad of distractions in our daily life, like office treats, tempting food ads, and Netflix binges. For most people, living a healthy lifestyle just requires too much dedication and … Continue reading

Smart Ways to Use the Equity in Your Home

At Allegacy Federal Credit Union, we believe in doing the right thing for your wellbeing and that includes making sure that you use debt the smart way. Debt can be considered the wealth killer, but there’s one very notable exception and you’re living in it. Money you owe on your home is often called “good debt” and there are a few ways … Continue reading

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See What Fits: Finding the Right Mortgage for You

Homes aren’t one-size-fits-all. Neither are home loans. At Allegacy, we begin by evaluating the big picture before offering a personal solution designed to fit your lifestyle. With competitive rates and lower fees than most lenders, our mortgages are easy to live with today and for years to come. Your Offer Has Been Accepted. Now What? Once your offer has been accepted … Continue reading

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The Credit Approval Process: What You Need to Know

Credit approval is an application for financing that helps determine which homes are in your price range. To get credit approved, you provide the same paperwork you would when making a formal loan request. The Loan Officer will ask you for employment and income verification and deposit and loan information. They will also pull a credit report to assess your credit history. … Continue reading

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Turning 65? What You Need to Know About Medicare

The solicitations have started pouring in, it seems everyone knows you’re turning 65 and they want you to buy their Medicare insurance.  Before you swear-off checking your mail; here are some key pieces to remember as you approach 65. You should be receiving information from Social Security or Centers for Medicare and Medicaid Services. These are the two federal agencies … Continue reading

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Withholding Wisdom

It’s your first day of work and before you can even take a seat at your workstation, you’re being asked to make a number of important decisions that will impact your wallet well into the next year. What is my tax filing status? How many personal exemptions should I take? Will I owe anything at the end of the tax … Continue reading

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Don’t Be a Victim of Tax Fraud

At Allegacy Federal Credit Union, the security of your financial information is important to us and that includes helping you protect yourself. Tax refund fraud is on the rise and isn’t expected to slow down. If anyone has access to your social security number or tax id, they can try to impersonate you and file a false return, claiming a … Continue reading

Don’t Be a Victim of Tax Fraud

Growth, Value or Both

The terms growth and value are often used to describe two different investment strategies, yet many investors may want both qualities in an investment. Famed investor Warren Buffett put it this way in a 2015 interview: “I always say if you aren’t investing for value, what are you investing for? And the idea that value and growth are two different … Continue reading

Growth, Value or Both

3 Ways to Break the Paycheck to Paycheck Cycle

You work hard for your money so when there’s a little leftover at the end of month, you deserve to splurge. After all, you’ve earned it. But what happens when you want something that costs more than the extra you have at the end of the month? Maybe you want to take a long awaited honeymoon. Or maybe you’ve been … Continue reading

3 Ways to Break the Paycheck to Paycheck Cycle

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