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Lower interest rates are just one factor. You also need to account for closing costs.
You see and hear the ads everywhere: Refinance your mortgage and save money. Often, that's good advice. But not always. Before committing to refinancing, it's best to figure out how long it will take to break even when all costs are considered. This calculator factors in your current interest rate, the potential new rate, closing costs and how long you plan to stay in your home. In the end, you'll have a good idea about whether it makes sense to refinance your current mortgage.
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If you're between the ages of 14 and 17, you and a parent/legal guardian can open your Student Rewards Checking by visiting your nearby TCU branch. Be sure you each bring two forms of valid ID. You can find a list of acceptable IDs here.
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Developing a budget based on your monthly income, expenses and savings is the first step.
Even a small, regular contribution toward your retirement has the potential to grow into a large nest egg.
It is important to build up your savings to cover emergencies and to plan for your future. As a general rule, you should maintain enough savings to cover three to six months of your regular expenses.
Want to know more? Call or visit your local TCU service center or book an appointment when it's convenient for you.
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