Want your money to work harder for you? In this episode of Money Moves by KTVAECU®, we’re diving into simple ways to help your money grow without needing to become a financial expert. We’ll chat about APY, why it matters, and how even small changes help you earn more over time. Whether you’re just starting out or looking to fine-tune your money routine, this episode has more ways to help you move smarter with your money.Learn more: tvacreditunion.comFOLLOW US:Instagram: https://www.instagram.com/tvacreditunion/Facebook: https://www.facebook.com/tvacreditunionTikTok: www.tiktok.com/@tvacreditunionWebsite: tvacreditunion.comFederally Insured by NCUA. APY = Annual Percentage Yield. Some restrictions may apply. Term must be decided at the time of account opening and may not be changed over the term of the account. All rates and offerings are subject to change. Penalty may be imposed for early withdrawal. Fees may reduce earnings. **Automatic deposits of at least $25.00 per month are required on balances under $25,000.00 for Set It & Fortget It Certificate Account. Failure to complete required deposits may result in early withdrawal penalties and closure. ***Additional deposits allowed within the term of the Set It & Forget It Certificate Account. Certificate Accounts with maturities of seventeen (17) months or less have a penalty for early withdrawal of an amount equal to ninety (90) days dividends. Certificate Accounts with maturities of eighteen (18) months or more have a penalty for early withdrawal of an amount equal to 180 days dividends. Dividends can be added back to the account, transferred to another Knoxville TVA Employees Credit Union account, or mailed to you each month. Annual Percentage Yield applies when the dividend is reinvested in the account. Certificate Accounts (other than Educational Savings) can be designated as an Individual Retirement Account (IRA) or Health Savings Account (HSA). Talk to a financial advisor regarding individual scenarios. High-Yield Checking is a tiered-rate account. Monthly qualification cycle begins on the first day and ends on the last day of the calendar month. Terms and conditions may apply. Rate subject to change. PREMIUM RATE of 3.50% APY is earned on balances between $500.00 and $10,000.00 when the following monthly qualifications are posted and settled within the monthly qualification cycle: make 15 debit card transactions, log in to online/mobile banking at least once, receive e-Statements, have direct deposit NON-PREMIUM RATE of 0.00% APY is earned on balances of $499.99 or less. On balances over $10,000.00, 0.15% APY is earned or when premium qualifications are not met. When the account is closed, 0.15% APY applies for the month the account is closed. APR = Annual Percentage Rate. Rate subject to change without notice and based on creditworthiness. Early access to funds depends on timing of payer's submission of deposits. We generally post such deposits on the day they are received, which may be up to two days earlier than the payer's scheduled payment date. Ask for details. Money Moves by KTVAECU®.