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Let's talk Money

Ready to feel more confident about your finances? Start with these easy money moves you can start using today. And remember – you don’t have to figure it all out by yourself. Our local experts offer honest, judgment-free advice that fits your life and goals.   

We’re part of your community – just down the street, and easy to reach when you need us. Book a chat or give us a call, six days a week.
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Advice from the Team

We've pulled together some of the most useful, straightforward advice from our Accounts Team that you can put to work for your financial health today. For personalized guidance that's built around your goals, book a quick Money Goals appointment and we can help you find the right solutions for your life.  

Budgeting Hacks

Stay on top of where your money's going
  • Set a monthly spending limit for food, fun and extras
  • Use the 50/30/20 rule: 50% needs, 30% wants, 20% savings
  • Review your banking transactions weekly
  • Turn on spending alerts in your banking app
  • Track spending using an easy-to-use budgeting app
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Saving Ideas

Spot ways to keep more money in your pocket
  • Name your savings goals (for example: "Trip Fund") to stay motivated
  • Set-up auto-transfers to a savings account every payday
  • Start with $10/week if money is tight, the key is consistency
  • Keep your savings in a separate, harder-to-access account
  • If you're saving for a house, consider an FHSA for tax-saving benefits 
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How to Start Investing

Grow your money with purpose and a plan
  • Start small -- invest even a small amount every month
  • Don't wait for the "perfect time" -- starting early is key
  • Use compound interest calculators to see your growth over time
  • Open a TFSA or RRSP to invest tax-efficiently
  • Don't be afraid to try a robo-advisor
  • Talk to an advisor who can show you all your options
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Level Up Your Financial Wellness

Gain clarity in managing your money
  • Set a reminder to review your finances on the 1st of every month
  • Review your bank accounts and credit card activity weekly
  • List out your monthly income, bills and subscriptions
  • Track your net worth with a simple spreadsheet or app
  • Talk with a professional when you aren't sure how to navigate hurdles
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Smart Borrowing Tips

Reach your goals without taking on too much
  • Use a loan calculator to understand monthly payments, interest and total cost
  • Avoid "buy now, pay later" unless you know you can repay
  • If you're using a credit card, pay it off in full every month
  • Compare borrowing options and choose ones with the flexibility to fit your goals -- like a line of credit versus a loan 
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Owning Your Financial Future

Take the right steps towards independence
  • Build an emergency fund with at least $500 to start
  • Use separate accounts for spending/bills and savings
  • Learn one new financial skill each month -- for example, how interest works
  • Make decisions based on what you value, not what others think
  • Set short- and long-term money goals and track your progress   
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Building Strong Money Habits

Create routines for lasting financial wellness 
  • Celebrate small wins (like hitting a savings goal)
  • Avoid impulse buys -- wait 24 hours before big purchases
  • Automate your bills and savings
  • Set a weekly "money check in" to stay on track
  • Keep your emergency fund in a high-interest savings account
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Planning for the Goals You Want

Set your goals and turn it into a real plan 
  • Write down your 1, 5 and 10-year goals (housing, travel, career, etc.)
  • Use a vision board or notes app to keep your goals visible
  • Break big goals into monthly or yearly milestones
  • Revisit and adjust your plan every 6 months
  • Talk to a credit union advisor who can help you build a plan  
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Connect with TCU Financial Group's Team

TCU Financial Group's dedicated team takes the time to understand your unique needs and customize the best solutions for you. Our Account Managers are easily accessible, with direct lines for personalized assistance – and our extended MemberLine call centre hours ensure you can reach us almost anytime.

Take the next step toward your financial goals.

Talk to a TCU Financial Group Account Manager today.
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Offers

Looking for a credit card that fits your needs and rewards you for everyday purchases? Apply for a TCU Mastercard today! Get the most out of our credit card with our current offers and promotions.

Explore Credit Card Offers

Make your homeownership goal a reality with our new First Home Savings Account (FHSA). Save money for your down payment tax-free on funds withdrawn to purchase your first home! Even if you are not ready to buy right now, you can carry-forward any unused contribution room for up to 15 years.

Explore Registered Plans

From home renovations to educational expenses, our personal loans are designed to provide you with all the financial flexibility you need – today. At TCU, members have access to quick approvals, competitive rates, and the personalized attention you deserve. Get your plans in gear with our customizable, hassle-free lending solutions.

Explore Personal Loans

Dreaming of owning your first home, expanding your family, or downsizing? Our comprehensive mortgage options mean that there’s a right-fit mortgage for every member. Discover competitive rates, flexible terms, and exceptional service. Let us help you find the perfect mortgage to make your homeownership dreams a reality.

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