New job, new financial goals: time for a fresh look at your finances
If you are considering making a career switch, it’s important to spend some time evaluating how this change could impact your finances.
Prepare For Your Future

Starting a new job brings exciting changes—and it’s the perfect time to organize your finances, manage your benefits, and plan for a secure financial future.

 

Managing Your Accounts Efficiently

  • Contact your new employer’s HR or payroll department to set up direct deposit.
  • Use your American Heritage routing and account number to ensure quick and secure deposits.
  • Update any bill payments or automatic withdrawals tied to your previous account.
  • Consider splitting your paycheck between checking and savings for easier money management.

Make the Most of Your Retirement Options

  • Review your previous employer’s 401(k) or retirement plan options.
  • Consider rolling over your old 401(k) into an IRA or your new employer’s plan.
  • Meet with the Investment & Retirement Center at American Heritage for rollover guidance.
  • Start contributing to your new employer’s retirement plan as soon as you're eligible.

Understand and Maximize Your New Benefits

  • Review health insurance, dental, vision, and life insurance coverage.
  • Understand flexible spending (FSA) or health savings (HSA) options.
  • Check for employer contributions to retirement or savings plans.
  • Plan ahead for enrollment deadlines or benefits that require early action.

If you are planning to leave your current employer without another job lined up or are reducing your hours:

  • Make sure you have an emergency fund in place so that you are prepared to cover at least 6 months of expenses
  • Examine your monthly expenses closely and cut out costs where possible
  • Ensure you have a plan in place to avoid gaps in health insurance coverage
  • Put a plan in place to protect your retirement savings

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Savings Accounts

A new job is a great time to revisit your savings goals. Whether you're building an emergency fund or planning for future milestones, American Heritage offers high-yield savings accounts, money market accounts, and more—so your money works harder for you every step of the way.

 

 

Financial Advisor

Investment & Retirement Center

The Investment & Retirement Center at American Heritage is here to support your financial journey—especially during times of transition. If you’re starting a new job or changing employers, it may be the right time to explore your 401(k) rollover options and evaluate your long-term retirement goals.

 

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Checking Accounts

A new job comes with new opportunities—and your checking account should keep up. American Heritage offers convenient, flexible checking options designed to fit your lifestyle, with features like no monthly fees, surcharge-free ATMs, and digital tools to manage your money anytime, anywhere.

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Careers at American Heritage

Build your professional future with a career at American Heritage Credit Union! American Heritage is not only invested in enhance our members’ lives, but more importantly our employees. Find out why we have been voted one of the best places to work by The Philadelphia Business Journal for 15 years in a row.
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Checking Account for your lifestyle.

Make starting a new career easy with an American Heritage checking account with direct deposit and online account management tools.
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Important Disclaimers

* Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed  affiliates. American Heritage Credit Union and The American Heritage Investment & Retirement Center are not registered as a broker-dealer or investment advisor. Registered representative of LPL offer products and services using American Heritage Investment & Retirement Center, and may also be employees of American Heritage Credit Union. These products and services are being offered through LPL or its affiliates, which are  separate entities from, and not affiliates of, American Heritage Credit Union or American Heritage Investment & Retirement Center. Securities and insurance offered through LPL or its affiliates are: 

Not Insured by NCUA or Any Other Government AgencyNot Credit Union GuaranteedNot Credit Union Deposits or Obligations

May Lose Value

The LPL Financial registered representative(s) associates with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. 

**CRPC® is a registered service marks of the College for Financial Planning®.

***Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value.

Your Credit Union (“Financial Institution") provides referrals to financial professionals of LPL Financial LLC (“LPL") pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.

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