We will be closed February 20th in observance of President's Day
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You don’t need a new car to get new car peace of mind!
As time goes on, the likelihood of mechanical failure on your vehicle is inevitable. Advanced electronics, complex systems, and rising labor costs mean that a repair that might have cost hundreds of dollars a few years ago may now cost you thousands.
With Major Mechanical Protection (MMP) you can protect yourself against the expense of future costly repairs.
The total cost of MMP is often far less than the cost of a single repair! Pay for MMP once, and in most cases you will not have to pay anything more than a small deductible should a breakdown occur.
To learn more about MMP, call your loan officer today
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You need more than insurance to protect your investment.
Even the best insurance may not cover the entire amount you owe on an auto loan. In fact, if the average new car owner has his or her vehicle stolen or damaged beyond repair, they could still owe thousands of dollars after the insurance settlement.
Guaranteed Asset Protection (GAP) makes up the difference between what insurance covers and the amount you owe in most cases. So, instead of paying off a substantial loan balance before you can even think about shopping for a new vehicle, you’ll be free and clear.
To learn more, call your loan officer today!
Your purchase of GAP is optional. Whether or not you purchase GAP will not affect your application for credit or the terms of any existing credit agreement you have with the financial institution. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under GAP. You should carefully read the contract for a full explanation of the terms.
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The Three Rules of Smart Money Management
Are you keeping the three smart money laws? You should, because if you do these three things, you'll have no financial worries. Really! These are the ONLY three things you need to do to get your finances under control.
There's been a lot of information going around about how to be smart with money, how to invest wisely, where to save and things like that. It's all good information, and maybe you want to get into that eventually; but the foundation of having no money problems is really very simple. There are just three laws you need to keep. Follow them and you'll find yourself with extra cash on your hands within just a few short months.
Ready? Here they are!
1. The Law of Ten Cents. When you keep this law, you take ten cents of every dollar you earn or receive and HIDE IT. You can hide it in your credit union savings or share certificate account, in your mattress, or in a hole in your backyard. It doesn't matter. Get used to living on 90% of your income while ten cents of every dollar gets put away. Some people call this "paying yourself first". Whatever you call it, follow this rule and you will soon be on your way to building a very comfortable nest egg.
You might think that 10 cents on the dollar is not going to get you very far. But consider this: you can get used to living on 90 cents for every dollar you earn, and after ten months, you will have a full month's salary put away. Not bad, huh? In ten years time, you can technically take a year off. What to do with that nest egg? We can talk about that another time. Meanwhile, the important starting point is to get used to keeping the Law of Ten Cents.
2. The Law of Organization. Quick-how much money is in your share draft account right now? How about your savings account? How much do you owe on your credit card? If you don't know, and if it would take you more than three minutes to find out, you're not keeping a law that's easily kept. According to the Law of Organization, you should develop a clear picture of what is where at all times and update it frequently.
Set up a system for tracking all your accounts. Quicken is a good one, but there are others too. It'll take a few hours time to set it up, but once you've done it, regular maintenance shouldn't be more than twenty minutes a week.
Think also of how much you can buy with the money saved on late fees, insufficient funds fees, and all the other expenses of not having your finances in order. The Law of Organization will help you avoid all that and more.
3. The Law of Enjoying the Wait. It's widely accepted that good things come to those who wait. If you MUST have things before you have the money for them earmarked, you've fallen prey to the great American debt machine. The Law of Waiting states that you PAY, and pay well, for having things NOW. If you can wait until later, and put money away specifically for the purchases you have in mind, you will have outsmarted the debt monster. No debt.
How much do you pay to get things sooner? Look at your interest rate and figure it out. Debt isn't cheap. Think of how many things you could have bought with that wasted money! When you realize how much smarter is it to buy things when you have the money on hand, you'll actually begin to enjoy the wait.
If you're serious about getting your finances under control, you'll follow the three laws of smart money management
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DEBIT CARD ALERT
IF YOU ARE TRAVELING OUT OF THE STATE OF TEXAS PLEASE CONTACT THE CREDIT UNION TO BE CERTAIN THAT YOUR DEBIT CARD WORKS IN OTHER STATES. Per your verbal request the credit union will add your card number to an Exception File that will allow you to use your card out of the state of Texas &/or the United States only for the duration of your request. If you request to have your card number added to this file on a permanent basis you must sign a Card Exception Request Form. By signing this form you acknowledge that the credit union may not be able to protect your account from fraudulent &/or unauthorized charges.
If you have any problems using your card please call (432) 681-1050 or
1-800-723-2477.
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ATTENTION
For the safety of our Members & Staff Please remove all Hoodies, Hats and Sunglasses when entering the Lobby
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Heritage USA New Instant Issue Debit Flat Cards are now here. The latest advanced technology and most secure Debit Cards!
Secure, Safe and Easy.
Come in today and pick out
your favorite design...
13 to choose from! (11 Shown)
Come in and see the rest!
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We are now on Facebook. Check out our Facebook Page!
Heritage USA Federal Credit Union!
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E-Statements
Forget paper statements. Shred and recycle them. Then save space and paper with eStatements. Every month, eStatements are sent directly to your computer. They're safer than paper statements sitting in your mailbox. And, you'll receive them faster. Quickly reconcile your accounts; then, if you like, save or print eStatements for your records. Year-end tax statements also will be coming to you online. Sign up today for all our electronic services. You can do it online, by phone, or at one of our offices. You'll be green with efficiency!
ONLINE BANKING!
Why wait around? Or postpone what you need? Start banking electronically - - on your schedule 24/7. No paper. No stamps. No trips to the credit union. You'll save time, money and the environment. So will Heritage USA Federal Credit Union.
THESE SERVICES ARE SPEEDY - - AND GREEN!
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Notice!
New Money Market Rates effective
August 31, 2011
$2,000.00 - $24,999.99 .20% apy
$25,000.00 & up .30% apy
New CD and IRA Account Rates effective August 31, 2011
.
Term Share Accounts* (CD's) IRA Accounts*
$500.00 Minimum $100.00 Minimum
.
6 Month Term .40% a.p.y. 12 Month Term .50% a.p.y.
12 Month Term .50% a.p.y. 24 Month Term .60% a.p.y.
24 Month Term .60% a.p.y.
.
.
*Rates subject to change daily as determined by our Board of Directors
**APY - Annual Percentage Yield
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You belong to Heritage USA. Your Checking Account belongs here, too!
These challenging times have made most of us more conscious of how we spend our hard-earned money. Most of us find ourselves clipping coupons or searching for bargains in order to save a few dollars. If your checking account is elsewhere, you are likely spending more and geting
less than you think. Why is Heritage USA a better choice?
Our Checking account is free, pure and simple! Not "free" with a lot of disclaimers and requirements like you might see at other financial institutions. There is no monthly service charge. No minimum balance requirements. It's that simple!
Our Checking account is not "bare bones"!
Heritage USA offers all the full-service features that many banks charge you for. Free Online Banking, where you can check balances, view cancelled checks and make transfers 24/7. Free Bill Pay - to save on postage as well as time.
Make the Easy Switch!
If you are concerned about transfering your direct deposits and automatic payments, don't worry! Simply ask our friendly staff and they will be happy to help you through the process.
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Notice
Due to the cost of handling, there will be $2.00 charge for failure to notify us of your new address. Please let us know
of any change of address so you can continue to receive information from your Credit Union.
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Check out our New Online Tax Pay
Click on our "Online Tax Pay" link and sign up to pay your taxes online securely and safely.
You can pay your business taxes without coupons & personal taxes without the hassle of
mailing your taxes in.
Another Free Service From Heritage USA
"We're The Credit Union Where It's All About You"
$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $
Pay your Heritage USA Loan Automatically!
Wanting to pay your loan with funds from another Financial Institution?
Heritage USA now offers the service of allowing you to ACH your Heritage loan payment from another Financial Institution automatically every month.
Call or Come by today and sign up!
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Holiday Schedule for 2012
Feb 20th President's Day
May 30th Memorial Day
July 4th Independence Day
Sept 5th Labor Day
Oct 10th Columbus Day
Nov 11th Veterans Day
Hollywood Theaters Super Saver Tickets Now on Sale
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