What If My Budget Is Off? (Part 3 of 3)

Posted in Board Brief, KTFCU News on Jul 15, 2026

WHAT TO DO?
Your budget is a plan to follow. Your budget can be off in either direction. If you are doing better, it is probably due to being disciplined (repaying debt, etc.) or you’ve increased your income. If so, you can reallocate your resources within the 70-20-10 model.

You could modify your allocations using what financial planners call the 50-30-20 budget. Here’s how that works.

• 50% for Needs – Housing, food, transportation, insurance premiums and minimum payments
• 30% for Wants – Entertainment, travel and subscriptions (streaming services, Internet, etc.)
• 20% for Savings – Emerge...

Let Us Fuel Your Fun

Posted in KTFCU News, Loan Specials on Jul 01, 2026

We want our members to have fun this summer and make more great memories. To help everyone's budget, we are giving a $175 gas card with every vehicle loan now through Sept. 30th.

There's more than one way to qualify. Here's how:

• Buy-new or used

• Buyout your lease

• Refinance your current loan from another institution

• VEHICLES INCLUDE: Watercraft - Campers - Trailers - RVs - ATVs and more

Almost anything on wheels! Just give us a call for more details.
See our great rates and apply online. Restrictions apply.

Summer 2026 Newsletter

Posted in KTFCU News, Newsletter on Jul 01, 2026

Summer 2026 Newsletter.pdf

How To Create a Budget And Stick To It? (Part 2)

Posted in Board Brief, KTFCU News on Jun 17, 2026

A 2020 survey suggested 7% of Americans were wealthy enough to not need a budget. That implies that the rest of us (93%) do. Last Board Brief, surveys suggest about 85% of Americans either don’t budget or cannot maintain their budget.

WHY?
For the most part, people don’t feel the need to budget when they should, people have set unrealistic budget expectations, or they have had an unexpected event that caused them to exceed their budget.

WHAT TO DO?
There are several metrics for developing a budget. If you are starting out or if you have landed in a bad spot, financially speaking, a place to s...

Our CD Rates are Now Higher! Earn More!

Posted in KTFCU News on Jun 01, 2026

Our Certificate of Deposit rates are very competitive. Have your money earn interest for YOU.

3.25% apy. $ 5,000 & up 12 month term

3.50% apy. $10,000 & up 12 month term

Just give us a call at 716-877-1630 and we'll have your money earning dividends.
Rates effective June 1, 2026. Subject to change without notice. Other restrictions may apply.