Everyone needs a way to kick back and relax, but entertainment can get expensive. Fortunately, there are ways to save on entertainment costs. Here are a few creative tips to get you started.
Read More
We LOVE Our Members!
Since 1953, CTCU has been committed to its members and community. From the very start, CTCU has been dedicated to teachers and giving back to local school districts. It was chartered by a group of Smith County educators with a mission of creating a thriving cooperative financial institution that will help its members achieve their financial goals by offering comprehensive financial products and services.
Read More
Snowball Method vs. Avalanche Method
Debt is the ultimate killjoy. It can destroy a budget, make long-term financial planning impossible, and shadow every purchase you make with guilt. No one wants to live with that debt burden. But how do you kiss your debt goodbye? Let’s take a look at two popular approaches for paying down debt and explore the pros and cons of each.
Read More
Getting The Most Out Of Youth Accounts
Managing money is a foundational life skill. There are so many factors involved and so many open-ended questions at play.
Read More
APR vs. Interest Rates
When comparing long-term loans, the interest rate and the annual percentage rate (APR) are often confused. While the interest rate refers to the annual interest expense of the loan, the APR reflects the annual cost of borrowing money from the lender. Clear as mud? Don’t worry; we can help.
Read More
Don’t Sleep On Your Savings: Avoiding Dormant Accounts
One of the best things you can do with a savings account is forget about it. If you don’t think about it, you can’t spend it. It’s there when you need it, and it’s earning dividends the whole time. However, like with most good advice, there can be a flip side.
Read More
Should I Sign Up For Budget Billing?
Budget billing can simplify your utility payments by making each month the same fixed amount, but it’s important to understand all the facts before signing up.
We have answered all your questions on budget billing.
How To Create Your First Elevator Pitch
Elevator pitches take humble-bragging to a new level. At its core, the concept of an elevator pitch is to squeeze all you can about your talents, strengths and work experience into the time it takes for an elevator to travel from one floor to the next.
Read More