--- title: MCTCU Blog description: Financial literacy topics to help our members and community learn and understand banking terms, processes, and products. --- - [Personal](https://www.mctcu.org/?hsCacheBuster=4955) - [Personal Checking](https://www.mctcu.org/personal/personal-checking) - [Compare Our Accounts](https://www.mctcu.org/personal/personal-checking/compare-accounts.html) - [Free Kasasa Cash Checking](https://www.mctcu.org/personal/personal-checking/free-kasasa-cash-checking.html) - [Free Kasasa Cash Back Checking](https://www.mctcu.org/personal/personal-checking/free-kasasa-cash-back-checking.html) - [Free Kasasa Eats Checking](https://www.mctcu.org/personal/personal-checking/free-kasasa-eats-checking.html) - [Free Kasasa Play Checking](https://www.mctcu.org/personal/personal-checking/free-kasasa-play-checking.html) - [InControl Checking](https://www.mctcu.org/personal/personal-checking/incontrol-checking.html) - [Personal Savings](https://www.mctcu.org/personal/personal-savings) - [Free Kasasa Saver](https://www.mctcu.org/personal/personal-savings/free-kasasa-saver.html) - [Certificates of Deposit (CDs)](https://www.mctcu.org/personal/personal-savings/certificates-of-deposit-cds.html) - [Money Market](https://www.mctcu.org/personal/personal-savings/money-market-account.html) - [Kids Savings](https://www.mctcu.org/personal/personal-savings/kids-savings-accounts.html) - [Member Share Savings](https://www.mctcu.org/personal/personal-savings/member-share-savings-account.html) - [Christmas Club Savings](https://www.mctcu.org/personal/personal-savings/christmas-club-savings.html) - [Individual Retirement Accounts (IRAs)](https://www.mctcu.org/personal/personal-savings/individual-retirement-accounts-iras.html) - [Member Services](https://www.mctcu.org/services-and-resources/member-services/) - [Overdraft Protection](https://www.mctcu.org/services-and-resources/member-services/overdraft-protection.html) - [Credit Cards](https://www.mctcu.org/loans-and-credit/credit-cards.html) - [Business](https://www.mctcu.org/?hsCacheBuster=4955) - [Business Accounts](https://www.mctcu.org/business/business-accounts) - [Business Checking](https://www.mctcu.org/business/business-accounts/business-checking.html) - [Business Member Share Savings](https://www.mctcu.org/business/business-accounts/business-member-share-savings-account.html) - [Business Loans](https://www.mctcu.org/business/business-loans) - [Business Lines of Credit](https://www.mctcu.org/business/business-loans/business-lines-of-credit.html) - [Commercial Real Estate Loans](https://www.mctcu.org/business/business-loans/commercial-real-estate-loans.html) - [Rental Property Loans](https://www.mctcu.org/business/business-loans/rental-property-loans.html) - [Commercial Vehicle Loans](https://www.mctcu.org/business/business-loans/equipment-and-machinery-loans.html) - [Equipment & Machinery Loans](https://www.mctcu.org/business/business-loans/equipment-and-machinery-loans.html) - [Inventory Loans](https://www.mctcu.org/business/business-loans/inventory-loans.html) - [Accounts Receivable Loans](https://www.mctcu.org/business/business-loans/accounts-receivable-loans.html) - [Business Credit Cards](https://www.mctcu.org/loans-and-credit/credit-cards.html#tabBusinessCreditCards-tab) - [Business Services](https://www.mctcu.org/services-and-resources/member-services/business-services.html) - [Loans & Credit](https://www.mctcu.org/?hsCacheBuster=4955) - [Vehicle & Personal Loans](https://www.mctcu.org/loans-and-credit/vehicle-and-personal-loans) - [Auto & Recreational Loans](https://www.mctcu.org/loans-and-credit/vehicle-and-personal-loans/auto-recreational-loans.html) - [Signature Loans](https://www.mctcu.org/loans-and-credit/vehicle-and-personal-loans/signature-loans.html) - [Secured Loans](https://www.mctcu.org/loans-and-credit/vehicle-and-personal-loans/secured-loans.html) - [Personal Lines of Credit](https://www.mctcu.org/loans-and-credit/vehicle-and-personal-loans/personal-lines-of-credit.html) - [Student Loans](https://www.mctcu.org/loans-and-credit/vehicle-and-personal-loans/student-loans.html) - [Home Loans](https://www.mctcu.org/loans-and-credit/home-loans) - [Home Mortgage Loans](https://www.mctcu.org/loans-and-credit/home-loans/home-mortgage-loans.html) - [Home Equity Loans](https://www.mctcu.org/loans-and-credit/home-loans/home-equity-loans.html) - [Home Improvement Loans](https://www.mctcu.org/loans-and-credit/home-loans/home-improvement-loans.html) - [Land Loans](https://www.mctcu.org/loans-and-credit/home-loans/land-loans.html) - [New Construction Loans](https://www.mctcu.org/loans-and-credit/home-loans/new-construction-loans.html) - [Meet Our Lenders](https://www.mctcu.org/loans-and-credit/home-loans/meet-our-lenders.html) - [Credit Cards](https://www.mctcu.org/loans-and-credit/credit-cards.html) - [Loan Protection Options](https://www.mctcu.org/loans-and-credit/loan-protection-options.html) - [Services & Resources](https://www.mctcu.org/?hsCacheBuster=4955) - [Account Services](https://www.mctcu.org/services-and-resources/account-services) - [Online & Mobile Banking](https://www.mctcu.org/services-and-resources/account-services/online-and-mobile-banking.html) - [MCT Cards App & Digital Wallets](https://www.mctcu.org/services-and-resources/account-services/MCT-cards-digital-wallets.html) - [Member Services](https://www.mctcu.org/services-and-resources/member-services) - [Shared Branches](https://www.mctcu.org/services-and-resources/member-services/shared-branches.html) - [Surcharge-Free ATMs](https://www.mctcu.org/services-and-resources/member-services/surcharge-free-atms.html) - [Debit Cards](https://www.mctcu.org/services-and-resources/member-services/debit-cards.html) - [Overdraft Protection](https://www.mctcu.org/services-and-resources/member-services/overdraft-protection.html) - [Business Services](https://www.mctcu.org/services-and-resources/member-services/business-services.html) - [Additional Services](https://www.mctcu.org/services-and-resources/member-services/additional-services.html) - [Resources](https://www.mctcu.org/services-and-resources/resources) - [Reorder Checks](https://www.mctcu.org/services-and-resources/member-services/additional-services.html#reorder-checks) - [Switch to MCT Credit Union](https://www.mctcu.org/_/kcms-doc/74/40933/MCT_SwitchKit.pdf) - [Lost or Stolen Card](https://www.mctcu.org/services-and-resources/resources/lost-or-stolen-card.html) - [Financial Calculators](https://www.mctcu.org/services-and-resources/resources/financial-calculators.html) - [Routing Number](https://www.mctcu.org/services-and-resources/resources/routing-number.html) - [Rates](https://www.mctcu.org/services-and-resources/resources/rates.html) - [TruStage Insurance](https://www.mctcu.org/services-and-resources/resources/trustage-insurance.html) - [Education & Planning](https://www.mctcu.org/education-and-planning) - [About Us](https://www.mctcu.org/?hsCacheBuster=4955) - [About MCT CU](https://www.mctcu.org/about-us/about-mct-cu.html) - [Meet the Team](https://www.mctcu.org/about-us/meet-the-team.html) - [Community Involvement](https://www.mctcu.org/about-us/community-involvement.html) - [Scholarship Program](https://www.mctcu.org/about-us/scholarship-program.html) - [Become a Member](https://www.mctcu.org/about-us/become-a-member.html) - [Testimonials](https://www.mctcu.org/about-us/testimonials.html) - [Blog](https://blog.mctcu.org/) - [Careers](https://www.mctcu.org/about-us/careers.html) - [Holiday Closures 2023](https://www.mctcu.org/about-us/holiday-closures.html) - [Locations & Hours](https://www.mctcu.org/about-us/locations-hours.html) - [Contact Us](https://www.mctcu.org/about-us/contact-us.html) - [Open an Account](https://www.mctcu.org/about-us/become-a-member.html) - [Apply for a Loan](https://www.mctcu.org/apply-for-a-loan.html) - [Pay Your Loan](https://www.mctcu.org/pay-your-loan.html) Search Search - [Personal](https://www.mctcu.org/) - [Personal Checking](https://www.mctcu.org/personal/personal-checking) - [Compare Our Accounts](https://www.mctcu.org/personal/personal-checking/compare-accounts.html) - [Free Kasasa Cash Checking](https://www.mctcu.org/personal/personal-checking/free-kasasa-cash-checking.html) - [Free Kasasa Cash Back Checking](https://www.mctcu.org/personal/personal-checking/free-kasasa-cash-back-checking.html) - [Free Kasasa Eats Checking](https://www.mctcu.org/personal/personal-checking/free-kasasa-eats-checking.html) - [Free Kasasa Play Checking](https://www.mctcu.org/personal/personal-checking/free-kasasa-play-checking.html) - [InControl Checking](https://www.mctcu.org/personal/personal-checking/incontrol-checking.html) - [Personal Savings](https://www.mctcu.org/personal/personal-savings) - [Free Kasasa Saver](https://www.mctcu.org/personal/personal-savings/free-kasasa-saver.html) - [Certificates of Deposit (CDs)](https://www.mctcu.org/personal/personal-savings/certificates-of-deposit-cds.html) - [Money Market](https://www.mctcu.org/personal/personal-savings/money-market-account.html) - [Kids Savings](https://www.mctcu.org/personal/personal-savings/kids-savings-accounts.html) - [Member Share Savings](https://www.mctcu.org/personal/personal-savings/member-share-savings-account.html) - [Christmas Club Savings](https://www.mctcu.org/personal/personal-savings/christmas-club-savings.html) - [Individual Retirement Accounts (IRAs)](https://www.mctcu.org/personal/personal-savings/individual-retirement-accounts-iras.html) - [Member Services](https://www.mctcu.org/services-and-resources/member-services/) - [Credit Cards](https://www.mctcu.org/loans-and-credit/credit-cards.html) - [Overdraft Protection](https://www.mctcu.org/services-and-resources/member-services/overdraft-protection.html) - [Business](https://www.mctcu.org/) - [Business Accounts](https://www.mctcu.org/business/business-accounts) - [Business Checking](https://www.mctcu.org/business/business-accounts/business-checking.html) - [Business Member Share Savings](https://www.mctcu.org/business/business-accounts/business-member-share-savings-account.html) - [Business Loans](https://www.mctcu.org/business/business-loans) - [Business Lines of Credit](https://www.mctcu.org/business/business-loans/business-lines-of-credit.html) - [Commercial Real Estate Loans](https://www.mctcu.org/business/business-loans/commercial-real-estate-loans.html) - [Rental Property Loans](https://www.mctcu.org/business/business-loans/rental-property-loans.html) - [Commercial Vehicle Loans](https://www.mctcu.org/business/business-loans/commercial-vehicle-loans.html) - [Equipment & Machinery Loans](https://www.mctcu.org/business/business-loans/equipment-and-machinery-loans.html) - [Inventory Loans](https://www.mctcu.org/business/business-loans/inventory-loans.html) - [Accounts Receivable Loans](https://www.mctcu.org/business/business-loans/accounts-receivable-loans.html) - [Business Credit Cards](https://www.mctcu.org/loans-and-credit/credit-cards.html#tabBusinessCreditCards-tab) - [Business Services](https://www.mctcu.org/services-and-resources/member-services/business-services.html) - [Loans & Credit](https://www.mctcu.org/) - [Vehicle & Personal Loans](https://www.mctcu.org/loans-and-credit/vehicle-and-personal-loans) - [Auto & Recreational Loans](https://www.mctcu.org/loans-and-credit/vehicle-and-personal-loans/auto-recreational-loans.html) - [Signature Loans](https://www.mctcu.org/loans-and-credit/vehicle-and-personal-loans/signature-loans.html) - [Secured Loans](https://www.mctcu.org/loans-and-credit/vehicle-and-personal-loans/secured-loans.html) - [Personal Lines of Credit](https://www.mctcu.org/loans-and-credit/vehicle-and-personal-loans/personal-lines-of-credit.html) - [Student Loans](https://www.mctcu.org/loans-and-credit/vehicle-and-personal-loans/student-loans.html) - [Home Loans](https://www.mctcu.org/loans-and-credit/home-loans) - [Home Mortgage Loans](https://www.mctcu.org/loans-and-credit/home-loans/home-mortgage-loans.html) - [Home Equity Loans](https://www.mctcu.org/loans-and-credit/home-loans/home-equity-loans.html) - [Home Improvement Loans](https://www.mctcu.org/loans-and-credit/home-loans/home-improvement-loans.html) - [Land Loans](https://www.mctcu.org/loans-and-credit/home-loans/land-loans.html) - [New Construction Loans](https://www.mctcu.org/loans-and-credit/home-loans/new-construction-loans.html) - [Meet Our Lenders](https://www.mctcu.org/loans-and-credit/home-loans/meet-our-lenders.html) - [Credit Cards](https://www.mctcu.org/loans-and-credit/credit-cards.html) - [Loan Protection Options](https://www.mctcu.org/loans-and-credit/loan-protection-options.html) - [Services & Resources](https://www.mctcu.org/) - [Account Services](https://www.mctcu.org/services-and-resources/account-services) - [Online & Mobile Banking](https://www.mctcu.org/services-and-resources/account-services/online-and-mobile-banking.html) - [MCT Cards App & Digital Wallets](https://www.mctcu.org/services-and-resources/account-services/MCT-cards-digital-wallets.html) - [Member Services](https://www.mctcu.org/services-and-resources/member-services) - [Shared Branches](https://www.mctcu.org/services-and-resources/member-services/shared-branches.html) - [Surcharge-Free ATMs](https://www.mctcu.org/services-and-resources/member-services/surcharge-free-atms.html) - [Debit Cards](https://www.mctcu.org/services-and-resources/member-services/debit-cards.html) - [Overdraft Protection](https://www.mctcu.org/services-and-resources/member-services/overdraft-protection.html) - [Business Services](https://www.mctcu.org/services-and-resources/member-services/business-services.html) - [Additional Services](https://www.mctcu.org/services-and-resources/member-services/additional-services.html) - 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Search - [Routing Number](https://www.mctcu.org/services-and-resources/resources/routing-number.html) - [Rates](https://www.mctcu.org/services-and-resources/resources/rates.html) - [Lost or Stolen Card](https://www.mctcu.org/services-and-resources/resources/lost-or-stolen-card.html) - [Locations](https://www.mctcu.org/about-us/locations-hours.html) # MCTCU Blog Financial literacy topics to help our members and community learn and understand banking terms, processes, and products. ### Tips & Tricks to Get Ready for Home Buying Season ##### [Christina Cousins](https://blog.mctcu.org/author/christina-cousins) 1 Minutes 04/16/2025 ### 2024 Financial Security: Shielding Against Modern Threats ##### [Alex Morton](https://blog.mctcu.org/author/alex-morton) 3 Minutes 06/26/2024 ### Youth Savings: A Smart Start for Your Child's Financial Journey ##### [Alex Morton](https://blog.mctcu.org/author/alex-morton) 4 Minutes 04/17/2024 ### Empower Your Finances: The Credit Education Guide ##### [Alex Morton](https://blog.mctcu.org/author/alex-morton) 3 Minutes 03/20/2024 ### Lunchtime Dilemma: Going Out or Bringing In ##### [Alex Morton](https://blog.mctcu.org/author/alex-morton) 3 Minutes 02/21/2024 ### How to Teach Income Tax: Lessons & Resources ##### [Alex Morton](https://blog.mctcu.org/author/alex-morton) 3 Minutes 01/19/2024 ### Holiday Spending Tips: How to Save Money During the Festive Season ##### [Alex Morton](https://blog.mctcu.org/author/alex-morton) 3 Minutes 12/21/2023 ### Donating to Charity ##### [Alex Morton](https://blog.mctcu.org/author/alex-morton) 2 Minutes 11/08/2023 ### Taking Advantage of Small Business Saturday ##### [Alex Morton](https://blog.mctcu.org/author/alex-morton) 3 Minutes 11/08/2023 ### Mastering Your Money: A Guide to Making and Spending Wisely ##### [Alex Morton](https://blog.mctcu.org/author/alex-morton) 2 Minutes 10/04/2023 [1](https://blog.mctcu.org) [2](https://blog.mctcu.org/page/2) [3](https://blog.mctcu.org/page/3) [4](https://blog.mctcu.org/page/4) [5](https://blog.mctcu.org/page/5) ## Popular Posts It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout. [Alex Morton](https://blog.mctcu.org/author/alex-morton) 09 November, 2022 #### [Paying Taxes](https://blog.mctcu.org/paying-taxes) Many major life changes such as buying a new home, changing jobs, getting promoted, starting a [Davey Langham](https://blog.mctcu.org/author/davey-langham) 19 October, 2021 #### [What is financial literacy?](https://blog.mctcu.org/financialliteracy) Financial literacy is knowing what finances are and how to spend, save, and manage money [Alex Morton](https://blog.mctcu.org/author/alex-morton) 17 April, 2024 #### [Youth Savings: A Smart Start for Your Child's Financial Journey](https://blog.mctcu.org/youth-savings-a-smart-start-for-your-childs-financial-journey) Explore the advantages of opening a savings account for your child and how it can pave the way for ![MCT Credit Union - Never Stop Growing Logo](https://blog.mctcu.org/hs-fs/hubfs/raw_assets/public/Mctcu_August2023/images/logo-never-stop-growing.png?width=430&name=logo-never-stop-growing.png "MCT Credit Union - Never Stop Growing Logo") ### Follow Us: - - - - [Kasasa® Cycle Dates](https://www.mctcu.org/_/kcms-doc/74/72542/Kasasa-Cycle-Dates-2022-2023.pdf) - [AudioEye Accessibility](https://www.mctcu.org/audioeye-accessibility-statement.html) - [Lost or Stolen Card](https://www.mctcu.org/services-and-resources/resources/lost-or-stolen-card.html) - [Contact Us](https://www.mctcu.org/about-us/contact-us.html) - [Locations & Hours](https://www.mctcu.org/about-us/locations-hours.html) - [Rates](https://www.mctcu.org/services-and-resources/resources/rates.html) - [Financial Calculators](https://www.mctcu.org/services-and-resources/resources/financial-calculators.html) - [Disclosures](https://www.mctcu.org/disclosures.html) - [Complaint Notice](https://www.mctcu.org/complaint-notice.html) - [Routing Number: 313187649](https://www.mctcu.org/services-and-resources/resources/routing-number.html) [![ASI - ESI White](https://blog.mctcu.org/hs-fs/hubfs/ASI%20-%20ESI%20White.png?width=750&height=156&name=ASI%20-%20ESI%20White.png "ASI - ESI White")](https://www.americanshare.com/) © 2023 MCT Credit Union | Portions Copyright © Kasasa, Ltd. 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