Money Moves by KTVAECU

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®.

Buying your first car? Check out this episode of Money Moves by KTVAECU® before you hit the road. We'll cover everything you need to know to feel confident with your new ride. We'll teach you how to prepare before you shop and the keys to a great deal. 🚗 Plus, we'll share a few confessions from our first car-buying experience. Learn more at tvacreditunion.com.

Federally Insured by NCUA. APR = Annual Percentage Rate. Available to qualifying Members. Some restrictions may apply. Rate subject to change without notice and based on creditworthiness. Ask for details. Money Moves by KTVAECU®.

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Not sure where to put your money? In this episode of Money Moves by KTVAECU®, we're helping you figure out how to choose the financial institution that fits you, your goals, your vibe, and your future. Whether you want to open your first account, switch financial institutions, or just know all your options, we've got your back.We break down:• The difference between financial institutions• What really matters when picking where to bank• How to spot features and services that actually help you grow your money🌿 Plus: We'll spill the dirt (literally) on how starting a garden turned into a creative way to save money and eat better.Learn more at tvacreditunion.com.

Federally Insured by NCUA. Money Moves by KTVAECU®.

FOLLOW US:

Instagram: https://www.instagram.com/tvacreditunion/

Facebook: https://www.facebook.com/tvacreditunion

TikTok: www.tiktok.com/@tvacreditunionWebsite: tvacreditunion.com

Buying a house feels impossible, right? But guess what? It's more achievable than you think! In this episode, we're giving you the ultimate Home-Buying Starter pack. From breaking down common myths to sharing creative hacks for first-time buyers, we have everything you need to start your journey towards homeownership. Learn more at tvacreditunion.com. ...Federally Insured by NCUA. Money Moves by KTVAECU®. Restrictions apply. Not a government-affiliated agency. All applications subject to underwriting guidelines and approval. Rates based on creditworthiness. Ask for details. Equal Housing Opportunity Lender. NMLS 167911 FOLLOW US:Instagram: https://www.instagram.com/tvacreditunion/Facebook: https://www.facebook.com/tvacreditunionTikTok: www.tiktok.com/@tvacreditunionWebsite: tvacreditunion.com

Ready to save big on your next grocery run? We're sharing our favorite grocery budgeting tricks to help you keep more cash in your pocket. Tune in as we cover where and when to shop, clever tactics to stretch your grocery dollars, and the small adjustments that make a big difference. Plus, don't miss this 'Save or Splurge' segment, where we break down which items deserve a little extra and where you can totally save. Grab your shopping list, and let's dive into money-saving tips!

Learn more at tvacreditunion.com.

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..Federally Insured by NCUA. Money Moves by KTVAECU®.FOLLOW US:Instagram: https://www.instagram.com/tvacreditunion/Facebook: https://www.facebook.com/tvacreditunionTikTok: www.tiktok.com/@tvacreditunionWebsite: tvacreditunion.com

We got the scoop about credit scores and the secrets you need to kick-start yours! In this episode, we'll break down the five factors that shape your credit score and share tips to get you started. Learn how a strong credit score unlocks better rates, easier approvals, and more financial freedom. Plus, you don't want to miss this segment of Coin Toss, where we bust thrifting myths and celebrate our ongoing weekly money win.... for now 😉!Learn more at tvacreditunion.com....Federally Insured by NCUA. Money Moves by KTVAECU®. Some restrictions may apply. Ask for details. Message and data rates may apply from your wireless carrier. Credit Score does not apply to business accounts.FOLLOW US:Instagram: https://www.instagram.com/tvacreditunion/Facebook: https://www.facebook.com/tvacreditunionTikTok: www.tiktok.com/@tvacreditunionWebsite: tvacreditunion.com

Ever wonder if credit cards are a smart move or just a fast track to debt? We share everything you need to know about credit cards–what they are, how they work, and why they could become your go-to financial tool. Plus, dive into Buy Now, Pay Later (BNPL) and decide if it's an option for you. And don't miss the story of how one of us has serious buyer's remorse over a Stanley purchase. Learn more at tvacreditunion.com....Federally Insured by NCUA. Available to qualifying Members. Some restrictions may apply. Ask for details. Rate subject to change without notice and based on creditworthiness. See card terms and conditions: tvacreditunion.com/credit-card-disclosure. Money Moves by KTVAECU®.FOLLOW US:Instagram: https://www.instagram.com/tvacreditunion/Facebook: https://www.facebook.com/tvacreditunionTikTok: www.tiktok.com/@tvacreditunionWebsite: tvacreditunion.com

Debit or credit—what's the deal? We're breaking down the myths and questions to help you swipe smarter with your debit card. Plus, we're spilling the tea on how a sinking fund can make saving for birthdays and anniversaries a breeze. And in this episode's Save or Splurge, we're talking Crocs—are they really worth the hype? Tune in and find out!Learn more at tvacreditunion.com....Federally Insured by NCUA. Available to qualifying Members. Some restrictions may apply. Ask for details. Rate subject to change without notice and based on creditworthiness. View credit card disclosure at tvacreditunion.com/credit-card-disclosure. Money Moves by KTVAECU®.FOLLOW US:Instagram: https://www.instagram.com/tvacreditunion/Facebook: https://www.facebook.com/tvacreditunionTikTok: www.tiktok.com/@tvacreditunionWebsite: tvacreditunion.com

Want to get a handle on your money habits? We'll break down popular budget hacks to help you find a system that fits your lifestyle. From the 50/30/20 method to digital enveloping, we cover how to kickstart your budgeting journey. Plus, don't miss the Coin Toss, where we discuss whether a side hustle is worthwhile.Learn more at tvacreditunion.com....Federally Insured by NCUA. Money Moves by KTVAECU®FOLLOW US:Instagram: https://www.instagram.com/tvacreditunion/Facebook: https://www.facebook.com/tvacreditunionTikTok: www.tiktok.com/@tvacreditunionWebsite: tvacreditunion.com

Ready to save big on your next grocery run? We're sharing our favorite grocery budget tricks to help you keep more cash in your pocket. Tune in as we cover where and when to shop, clever tactics to stretch your grocery dollars, and the small adjustments that make a big difference. Plus, don't miss this 'Save or Splurge' segment, where we break down which items deserve a little extra and where you can totally save. Grab your shopping list, and let's dive into money-saving tips!