Money Moves by KTVAECU

Thinking about an internship but not sure where to start? In this podcast episode of Money Moves by KTVAECU®, we're talking internships with a college student who's been through the process. We get into how to actually land an internship, paid vs. unpaid opportunities, balancing work and school, and what makes an internship worth your time. If an internship is on your college to-do list, start here.

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Money Moves by KTVAECU. Federally Insured by NCUA.

#Internships #CollegeStudents #CareerAdvice #MoneyMoves

Eating healthy on a budget doesn’t have to mean expensive groceries, complicated recipes, or meals you don’t actually want to eat.In this episode of Money Moves by KTVAECU®, we’re talking about simple ways to eat well without overspending. We’ll cover budget-friendly grocery tips, affordable healthy meal ideas, and smart swaps that help your money go further.You’ll learn how to compare unit prices, buy store brands, choose frozen and canned produce, build meals around filling staples like oats, rice, potatoes, and beans, and skip costly drinks by making water your default.

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🎧 Subscribe for more real conversations about money, fraud, and financial wellness from KTVAECU®.

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Money Moves by KTVAECU®. Federally Insured by NCUA.

#MoneyMoves #HealthyEatingOnABudget #BudgetTips #KTVAECU

Today's scams use real names, real cities, fake bank texts, and even phone calls that sound legitimate. In this episode, we break down the fraud tactics happening right now and the small habits to help protect your money and personal information.

We talk about:• fake bank texts and phone calls• check washing and mail theft• skimmers at gas pumps and ATMs

Slow down. Verify first. Trust your gut.

Learn more: https://www.tvacreditunion.com/fraudtips.html🎧 Subscribe for more real conversations about money, fraud, and financial wellness from KTVAECU®.

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Money Moves by KTVAECU®. Federally Insured by NCUA.

#FraudPrevention #ScamAwareness #KTVAECU

Buying a home is one of the biggest steps you’ll take. In this episode, we walk through the home loan process from start to finish with experts who guide you: a loan officer, an underwriter, and a loan processor. You’ll hear what actually happens after you apply, what lenders look for, and how you help move your application forward in the process.If you’re buying your first home, ready for your next move, or just want a clearer picture of how it all works, this conversation is for you!00:00 Welcome to the Homebuying Process01:30 Meet the Loan Officer: The Application04:23 Documents You’ll Need (and What Surprises People)14:10 What to do Before You Apply21:32 What an Underwriter Actually Does22:28 What Really Matters in a Loan Decision25:59 Common Myths About Credit and Approval33:54 Loan Servicing Explained 37:27 What Escrow Is and Why It Matters41:18 Why Your Payment Increases44:19 Reach Out to Us👉 Learn more about home loans at KTVAECU: https://www.tvacreditunion.com/borrow/loans/home-loans.htmlHave a question about the home loan process? Leave it in the comments.FOLLOW US:Instagram: https://www.instagram.com/tvacreditunion/Facebook: https://www.facebook.com/tvacreditunionTikTok: www.tiktok.com/@tvacreditunionWebsite: tvacreditunion.comMoney Moves by KTVAECU®. Federally Insured by NCUA. APR = Annual Percentage Rate. Restrictions apply. Not a government-affiliated agency. All applications subject to underwriting guidelines and approval. Rates based on creditworthiness. Ask for details. All interest rates and APRs shown are subject to change without notice.#HomeLoan #MortgageProcess #KTVAECU

We sit down with an IRA expert to break down what Individual Retirement Accounts are and why they matter. We walk through Roth and Traditional IRAs in simple terms, explain when taxes apply, and talk about why time matters more than the amount.Inside this episode:• What an IRA actually is• Roth vs Traditional in plain language• Why time beats starting big• How IRAs work with freelance or changing income🔗 Learn more: https://www.tvacreditunion.com.FOLLOW US:Instagram: https://www.instagram.com/tvacreditunion/Facebook: https://www.facebook.com/tvacreditunionTikTok: www.tiktok.com/@tvacreditunionWebsite: tvacreditunion.comMoney Moves by KTVAECU®. Federally Insured by NCUA. Some restrictions may apply. All rates and offerings subject to change. This content is intended to provide general information and shouldn't be considered legal, tax, or financial advice. Consult a tax or financial advisor for specific information on how certain laws apply to your situation. Ask for details. A Certificate Account can be designated as an IRA Certificate or a Health Savings Account Certificate.

Simplify your monthly bills into one payment with a debt consolidation loan. It offers clarity when your bills may feel scattered. Join us as we chat with Stacie, our debt consolidation loan expert, to explain how debt consolidation loans actually work. Plus, learn what debt to combine and how good money habits help you succeed. 🔗 Learn more: https://www.tvacreditunion.com

00:00 New Year's Resolutions

06:33 Meet our guest, Stacie, KTVAECU® Debt Consolidation Loan Expert

07:59 What Debt Consolidation Really Means

10:07 When Debit Consolidation Makes Sense

11:10 Best Things to Ask Your Loan Officer

11:30 Breakdown of Loans14:06 Habits to Establish After a Loan

15:53 Credit Score Impact

19:20: Coin Toss

23:48 How to Reach the Show

FOLLOW US:Instagram: https://www.instagram.com/tvacreditunion/Facebook: https://www.facebook.com/tvacreditunionTikTok: www.tiktok.com/@tvacreditunionWebsite: tvacreditunion.comFederally Insured by NCUA. Some restrictions may apply. Published rates are the lowest rates available for each loan type. Your rate may vary, based on creditworthiness, amount financed, and loan terms. Ask for details. Money Moves by KTVAECU.

Card fraud shows up fast during the holidays, and it often targets people during busy moments. We sit down with a Card Fraud Expert to explain the tricks scammers use, the signs that deserve your attention, and the tools to help you keep your money more secure. Plus, hear which one of us hit a major money win at age 26.

If you want a clearer path for credit and debit safety during the holidays, this episode is for you!

🔗 Learn more: https://www.tvacreditunion.com

00:00 Holiday Intro and First Guest

00:39 Meet our guest, Maranda, KTVAECU® Card Fraud Expert

01:47 Why Card Fraud Spikes in the Holidays

04:52 Most Common Holiday Scams

08:09 Real Scam Stories

11:38 Early Warning Signs in Calls and Messages

14:22 Practical Tips to Keep Cards Secure

21:58 Digital Wallets and Tokenization

28:27: Coin Toss

29:18 Money Win: First Home at 26

32:58 How to Reach the Show

Federally Insured by NCUA. Available to qualifying Members. Some restrictions may apply. Ask for details. Message and data rates may apply from your wireless carrier. Not a government-affiliated agency. All applications subject to underwriting guidelines and approval. Rates based on creditworthiness. All interest rates and APRs shown are subject to change without notice. View credit card disclosure at tvacreditunion.com/credit-card-disclosure. JCPenney is a trademark of J.C. Penney Corporation, Inc. Amazon is a registered trademark of Amazon Technologies, Inc. McAfee is a trademark of McAfee, LLC. Apple Store® is a trademark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.#HolidayMoney #CardFraud #MoneyMovesPodcast

College money hits different when you face it in real life. We spent Welcome Week at ETSU and asked students how they handle credit, cash, savings, and the daily choices that shape their money journey. Hear students share quick, honest answers about credit cards, credit building, debt fears, saving on a tight budget, side projects, and the lessons they wish they knew sooner. If you want real college money advice from students who live it, this episode is for you!

In this episode of Money Moves by KTVAECU®, learn:

• How students think about credit, credit scores, and debt• Simple tips that work in real life

• How to avoid overspending

• Side hustle ideas from real ETSU students

00:44 What Students Think About Their Money Journey

01:16 Credit Cards and Building Credit

04:19 High Savings to Grow Your Money

03:32 First-Time Credit Card Stories

05:20 Joining the Credit Union

06:32 Word Association Game with Students

10:10 College Student Money Advice

15:10 Buying Your First Car

16:35 Would You Rather

19:35 Starting Your Own Business in College

🔗 Learn more: https://www.tvacreditunion.com.

Federally insured by NCUA. To join the Credit Union, you must meet membership requirements. Fees may apply. Some restrictions may apply. Ask for details. This content is intended to provide general information and shouldn't be considered legal, tax, or financial advice. Consult a tax or financial advisor for specific information on how certain laws apply to your situation. APY = Annual Percentage Yield. Available to qualifying Members. Some restrictions, conditions, and fees may apply. All rates and offerings subject to change. A Certificate Account can be designated as an IRA Certificate or a Health Savings Account Certificate. Fees may reduce the earnings on some accounts. 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). All applications are subject to underwriting guidelines and approval. APR = Annual Percentage Rate. Rate subject to change without notice and based on creditworthiness. View credit card disclosure at tvacreditunion.com/credit-card-disclosure.

#CollegeMoney #ETSUStudents #MoneyMovesPodcast

How do college students really use their money? 💸We hit East Tennessee State University campus to get the unfiltered truth straight from students themselves. In this live episode of Money Moves by KTVAECU®, real students share where they are on their money journey, what they’ve learned, and their best tips to manage cash, build credit, and stay ahead.From spreadsheet pros to first-time savers, you’ll hear how students handle food, gas, and fun while finding smart ways to stretch their money, grow savings, and enjoy college life responsibly.💬 You’ll hear:- What college students actually buy- How they make budgets that stick- Smart money tips for students- Why early saving matters- Real advice from students who’ve been there🎧 Tune in for real stories and ideas to help you take charge of 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. All rates and offerings subject to change. This content is intended to provide general information and shouldn't be considered legal, tax, or financial advice. Consult a tax or financial advisor for specific information on how certain laws apply to your situation. Ask for details. A Certificate Account can be designated as an IRA Certificate or a Health Savings Account Certificate. Available to qualifying Members. Some restrictions, conditions, and fees may apply. View credit card disclosure at tvacreditunion.com/credit-card-disclosure. Fees may reduce the earnings on some accounts. 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. 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 eStatements • 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.#CashConfessions #CollegeMoney #MoneyMovesPodcast

Have you noticed how sneaky scams are getting these days? From AI voices that sound like your friends to fake texts that seem totally legit, scammers are stepping up their game. Guess what? You can totally outsmart them!

In this episode of Money Moves by KTVAECU®, we dive into scams that catch people off guard, regardless of age! We break down how to spot these tricks before it’s too late. Here’s what you’ll gain:- The scoop on the most common scams (phishing, vishing, smishing, and impersonation scams)- Why Gen Z is a prime target for these scams and how sharing too much online can easily lead to trouble- Key red flags and the mind tricks scammers use to hook you- Super simple tips to safeguard yourself, your cash, and your personal info.

Learn more: tvacreditunion.com.

FOLLOW US:

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Federally Insured by NCUA. Money Moves by KTVAECU®.