Jun 02, 2017
The Difference Between Credit and Debit Cards

The Difference Between Credit and Debit Cards

The cards in your wallet may look the same, but there actually are some major differences between credit and debit cards. Understanding the difference between these two payment methods can help you avoid financial issues and even earn some extra money in the process. Application A debit card or check card is, essentially, a digital checkbook. It is tied directly to your financial account. When you make a purchase, it is subtracted from the amount you have. Most banks and credit unions will give you a debit card to access the funds in your checking or savings account. You can…
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Jun 01, 2017

Home Equity Loans are Quick and Easy at America First

Get the money you need to take your dream vacation, complete a remodeling project, pay for surprise expenses, or accomplish anything else you want. With home equity term loans, you’ll benefit from: Fixed rates & payments Interest that may be tax-deductible Flexible financing options Or choose our lines of credit: Perfect for spur-of-the-moment experiences Quick access to money when you need it Only pay on the funds you use Apply here.
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Jun 01, 2017
Security Update: Don’t Let your Virtual Guard Down this Summer

Security Update: Don’t Let your Virtual Guard Down this Summer

Although many of us are more carefree and active during the summer season, we’re still constantly online. And every Internet connection your make—whether you’re shopping for some camping gear or using social media to connect with friends on the weekend, you’re vulnerable to cyberattacks. Follow these tips to help avoid problems:  Create smart, strong passwords. Incorporate capital letters, numbers & symbols in your phrase that should be more than six characters long, such as: Go1dM!n3. Email wisely. Be careful about what you provide in these messages. Never send your credit card information, Social Security number, or other private data via email.…
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Jun 01, 2017
Cherish Great People, Great Times and Great Memories

Cherish Great People, Great Times and Great Memories

By John B. Lund, President & Chief Executive Officer It’s hard to believe 2017 is nearly halfway over. The year has brought some wonderful occurrences and I have much for which I am grateful. I also experienced significant sadness and heartache. Both my brother and my youngest sister passed away unexpectedly within a month of each other. During Memorial Day weekend, I visited their graves and those of other loved ones. While doing so, I paused with appreciation to think of the good times, lessons learned, and recollections that will last forever. Our extended family has vacationed on a houseboat at…
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May 26, 2017
Planning a Wedding Without Debt

Planning a Wedding Without Debt

Priceless weddings can oftentimes end up being, well, pretty pricey. However, it's possible to create a memorable and beautiful wedding without going into debt. Here are some ways to make your big day special without breaking the bank. Building a budget Research the average price of everything you need and want at your wedding. Prioritize your list to determine which elements are most important, what costs less, and which things you can do without. Vetting the venue If you're having a reception, it doesn’t have to be extravagant. Consider an inexpensive location, such as a church hall, the local rec…
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May 25, 2017

New app makes banking easy

America First always strives to be a leader in adopting technology to help members meet their financial needs. They say that by updating the application, America First differentiates themselves from other financial institutions in the industry, while also providing members with the tools to achieve their financial goals and create a customized user experience. The app has all of the great features as old versions, as well as some very noteworthy new ones. Members will still be able to take advantage of Mobile Deposit, Popmoney, Transfers, ABC Deals, Bill Pay, and Loans. Mobile Banking now supports Touch ID/Fingerprint Authentication for…
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May 19, 2017
How to NOT Become a Millionaire

How to NOT Become a Millionaire

Having a lot of money can be a burden. People constantly ask you for it, taxes are more complicated and you need a plan for your wealth when you're gone. If you're looking for ways to avoid becoming rich, here is some advice on how to not become a millionaire. Don't Think Ahead If you're not yet a millionaire, don't make any dramatic changes -- just keep on with what you're doing. Becoming independently wealthy takes effort, so things like writing down your financial goals will only help those who are looking to make their resources grow. And don't set…
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