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Fraud Alert ⚠️

We'll never contact you for your full account number, PIN, security codes, login credentials, or ask you to deposit/transfer money as fraud protection. Fraud text alerts come from a 5-digit shortcode, not a 10-digit phone number. If you're unsure, do not respond and call us at (865) 544-5400.

SPECIAL HOLIDAY HOURS

All Credit Union locations will be closed Thursday, January 1, in observance of New Year's.

Skip-A-Payment

 

Plan Ahead with Smart Money Tools
Some months bring higher expenses than expected. Our resources help you build confidence, strengthen your budget, and move forward with peace of mind.

50/30/20 Rule
Need a new way to budget? Try the 50/30/20 Rule! Whenever you plan your monthly budget, divide your purchases into three separate categories.

NEEDS

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

  • Rent / Mortgage
  • Bill
  • Utilities
  • Groceries 

WANTS

Your wants make up 30% of your budget. These are everyday extras you enjoy 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

FREE FINANCIAL COUNSELING
FREE DEBT MANAGEMENT
FREE HOUSING COUNSELING
FREE STUDENT LOAN COUNSELING
FREE CREDIT REPORT REVIEW
Disclosures

1 Skip-a-Payment Disclaimer - Skip-A-Payment is not valid on real estate loans, business loans, line-of-credit loans, or credit cards. $35.00 fee applies to each skip-a-payment. All qualifying loans must be current and in good standing. Maximum number of 2 skips are allowed per rolling 12-month period. Back-to-back skips are allowed if qualifications are met. Ineligible loans will not be deferred. Credit Union will not be responsible for any payments, deposits, or other communications of forms lost in the mail. Skip-A-Payment is subject to Credit Union approval. By utilizing Skip-A-Payment, you acknowledge that KTVAECU will be extending your loan and final payment by one month on each loan designated. Interest will continue to accrue on your loan during the month that you skip your payment. If a GAP Waiver insurance policy was purchased at the origination or during the course of the loan, doing any Skip-A-Payment may have an adverse impact as to how a GAP claim is paid by the GAP insurance carrier. The Credit Union will not be liable for any denial of GAP benefits created by Skip-A-Payment products.