Money Moves by 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.com00:00 New Year's Resolutions06:33 Meet our guest, Stacie, KTVAECU® Debt Consolidation Loan Expert07:59 What Debt Consolidation Really Means10:07 When Debit Consolidation Makes Sense11:10 Best Things to Ask Your Loan Officer11:30 Breakdown of Loans14:06 Habits to Establish After a Loan15:53 Credit Score Impact19:20: Coin Toss23:48 How to Reach the ShowFOLLOW 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.com00:00 Holiday Intro and First Guest00:39 Meet our guest, Maranda, KTVAECU® Card Fraud Expert01:47 Why Card Fraud Spikes in the Holidays04:52 Most Common Holiday Scams08:09 Real Scam Stories11:38 Early Warning Signs in Calls and Messages14:22 Practical Tips to Keep Cards Secure21:58 Digital Wallets and Tokenization28:27: Coin Toss29:18 Money Win: First Home at 2632:58 How to Reach the ShowFederally 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 students00:44 What Students Think About Their Money Journey01:16 Credit Cards and Building Credit04:19 High Savings to Grow Your Money03:32 First-Time Credit Card Stories05:20 Joining the Credit Union06:32 Word Association Game with Students10:10 College Student Money Advice15:10 Buying Your First Car16:35 Would You Rather19:35 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:Instagram: https://www.instagram.com/tvacreditunion/Facebook: https://www.facebook.com/tvacreditunionTikTok: www.tiktok.com/@tvacreditunionWebsite: tvacreditunion.comFederally Insured by NCUA. 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®.FOLLOW US:Instagram: https://www.instagram.com/tvacreditunion/Facebook: https://www.facebook.com/tvacreditunionTikTok: www.tiktok.com/@tvacreditunionWebsite: tvacreditunion.com

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/tvacreditunionTikTok: 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....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!

Meet Caroline and Mollie! We're here to help you make smart money moves. Today, we're sharing saving tips to get you started - that actually works! We discuss using a round-up account, setting small goals, and more! Plus, we're clearing the air about the Chase Bank "Glitch." So, if you want some practical, no-fluff money advice, hit play, and let's start your next money move together!