AHCU Financial Pulse Newsletter July 2026

A Mortgage Designed for Today’s Uncertain Market

Looking for a more affordable path to homeownership? AHCU’s Adjustable-Rate Mortgage (ARM) offers rates typically 0.75% to 1.00% lower than comparable fixed-rate mortgages, along with low down payment options and no PMI. Available to all eligible members, it’s quickly becoming one of our most popular home loan solutions.

TriUnity Foundation Grant Applications Open July 1

Life-threatening illness can create overwhelming emotional and financial challenges for individuals and families. AHCU is proud to partner with the TriUnity Foundation, a nonprofit created by the credit union movement to provide hope, healing, and financial relief for people facing serious illness.

The next grant application cycle opens July 1 and runs through September 15. Through this program, eligible individuals can apply for financial assistance to help ease burdens such as medical expenses, daily living costs, transportation, or other essential needs during a difficult season of life.

New this year, AHCU members have access to a dedicated pool of funding, with $12,500 in grants reserved specifically for AHCU members. This creates an additional opportunity for our members and their families to receive meaningful support when they need it most.

The application process is confidential, simple, and designed to be completed in just a few minutes.

Know someone who could benefit? We encourage members, family members, caregivers, and healthcare professionals to help spread the word. To learn more about eligibility or to apply when the cycle opens July 1, visit the TriUnity Foundation page at ahcu.org or speak with an AHCU team member.

Which High-Yield Savings Option Is Right for You?

Is your savings working as hard as it could be? The right account can make a big difference. Learn whether a Money Market Account, a CD, or a combination of both is the best fit for your financial goals.

The Hidden Workforce Crisis: Financial Stress Among Healthcare Workers

Financial stress is becoming one of the biggest challenges facing healthcare professionals, impacting everything from well-being to job satisfaction. Discover four practical steps you can take to reduce financial stress and strengthen your financial wellness.

Summer Swipe Sweepstakes: Use Your AHCU Card and You Could Win!

This summer, we’re giving members even more reasons to reach for their AHCU debit or credit card.

From July 1 through August 31, every purchase made with an AHCU debit or credit card automatically enters you into our Summer Swipe Sweepstakes. No registration, forms, or minimum purchase required. Just use your AHCU card for everyday spending and you’ll be eligible to win.

Weekly Winners All Summer Long

Each week, 10 members will have their largest qualifying purchase refunded—up to $100. Whether you’re buying groceries, filling up your gas tank, purchasing work essentials, or handling everyday expenses, your purchases could pay you back.

Two Grand Prize Drawings

We’ll also award:

• One $500 cash prize at the end of July
• One $500 cash prize at the end of August

Why Use Your AHCU Card?

Your AHCU debit and credit cards offer the convenience, security, and reliability you need for daily purchases. By making AHCU your go-to card, you’ll have access to trusted payment solutions while earning opportunities to win during our Summer Swipe Sweepstakes.

It’s Automatic

No sign-up. No tracking points. No special categories.

Simply use your AHCU debit or credit card wherever you shop between July 1 and August 31, and you’ll automatically be entered for a chance to win weekly and monthly prizes.

So, the next time you’re buying groceries, grabbing a cup of coffee, filling up your vehicle, or making an online purchase, remember to swipe, tap, or click with AHCU— and you could be our next winner!

Waypoint Corner:  Retirement and Wealth Planning

In retirement, many people start thinking differently about their wealth.

It’s no longer just about managing accounts and cash flow. It’s about family, meaning, and what you want to leave behind.

When it comes to legacy planning, assets are usually the easy part. They’re transferred through documents, account structures, and beneficiary designations. Financial values, however, don’t pass through documentation. They’re shaped over time through conversations, examples, and shared experiences.

Without that context, even a well-built estate plan can leave loved ones without clear direction.