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Financial Education

 

Financial Education Program

BUILD FINANCIAL CONFIDENCE

At KTVAECU®, we're passionate about financial education! Our mission is to help you grow financially. We accomplish this through FREE financial education workshops tailored to help you meet your financial needs and goals, from the basics of money management to how to navigate loans and debt.

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WE'RE HERE TO HELP YOU
WHEREVER YOU ARE IN LIFE.

We provide access to free and confidential financial counseling and education through GreenPath Financial Wellness1. Your one-stop shop for everything financial! Tap into our information hub and access a variety of financial resources, toolkits, podcasts, and calculators, or connect to a live counselor who is ready to answer your financial questions.

COUNSELING REQUEST FORM   INFORMATION HUB   CALCULATORS

50/30/20 BUDGET RULE
Need a new way to budget? Try the 50/30/20 Rule! Here’s how it works.
Whenever you plan your monthly budget, divide your purchases into three separate categories: Needs, wants, and savings.

NEEDS
Your needs make up the first 50% of your entire monthly budget. These are the essentials you need to buy each month:

  • Rent / Mortgage
  • Bill
  • Utilities
  • Groceries 

WANTS
Your wants make up 30% of your budget. These are the things you enjoy buying but aren’t essential.

  • Monthly Subscriptions 
  • Restaurants
  • Entertainment 
  • Travel

SAVINGS
The remaining 20% of your income goes into savings. This allows you to save for:

  • Future Expenses
  • Vacations
  • Emergencies

CREDIT CARD RESOURCES

Most people use credit cards and understand how credit cards work. However, if you’re not careful, they could be costing you a lot of money. Do you use cards for convenience or to live beyond your means? What type of card do you use? What is your interest rate? What rewards or perks does your card provide? Here are some credit card articles you may find interesting.

TYPES OF
CREDIT CARDS

Know the difference between credit (secured/unsecured), debit, and other cards.

Find the Right Card

CHOOSING THE
RIGHT CREDIT CARD

Important things to consider if you are planning to apply for a new credit card.

Features & Benefits

USING YOUR
CREDIT CARDS WISELY

Suggestions for responsibly using credit cards and signs that may signal trouble.

How to Manage Your Card

FINANCIAL WELLNESS

Check out GreenPath’s many resources, get advice on budgeting and planning, tips for managing your finances, getting out of debt, improving your credit, and more.

 
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