How to Manage Summer Utility Bills and Expenses.

Summer in the South means sunshine, cookouts, and unfortunately higher utility bills. As temperatures rise, so do energy costs, putting a strain on household budgets. But with a few smart strategies and the right financial tools, you can stay cool without sweating your expenses.

Here’s how to beat the heat and keep your budget intact this summer—with a little help from MTC Federal.

1) Cool Smarter, Not Harder

Before you crank up the AC, consider these energy-saving tips:

• Use a programmable thermostat to adjust temperatures when you're not home.
• Close blinds and curtains during peak sunlight hours to reduce indoor heat.
• Run ceiling fans counterclockwise to push cool air down.
• Avoid using heat-generating appliances like ovens during the hottest parts of the day.

These small changes can lead to big savings on your monthly utility bill.

2) Budget for the Bump

Summer expenses can sneak up on you—between vacations, higher electric bills, and back-to-school prep. MTC Federal’s free budgeting tools can help you stay ahead:

• Track your spending in real time.
• Set savings goals for seasonal expenses.
• Get alerts when you’re nearing your budget limits.

Log in to your online banking account or mobile app to start using these tools today

3) Simplify with Bill Pay

Avoid late fees and missed payments by setting up automatic bill pay through MTC Federal’s digital banking. It’s fast, secure, and ensures your utility bills are paid on time, every time.

• Schedule recurring payments
• Manage all your bills in one place
• Reduce paper clutter and postage costs

It’s one less thing to worry about when the summer gets busy.

4) Refinance and Relax This Summer

Summer is the season for sunshine—not stress. If your current auto loan is putting pressure on your monthly budget, MTC Federal has a limited-time offer designed to help you save and breathe easier...

Refinance your auto loan from another financial institution and choose your savings:

• Lower Your Rate by 1%* or our everyday low standard rate (whichever is lowest)
  OR Get $125 Cash Back* when you refinance with us at your current rate, payment, and remaining term. PLUS No Payments for 90 Days*.

Enjoy a break this summer while keeping more money in your pocket.

Whether you're planning a road trip or just trying to keep up with rising expenses, this offer can help you take control of your finances and enjoy more of what summer has to offer.

*Terms and conditions apply.
To learn more and see if you qualify, view the full promotion details and terms here.

5) Stay Connected with MTC Federal

We’re more than just a credit union—we’re your financial partner. Whether you’re looking to save on summer expenses or plan for the future, MTC Federal offers the tools, resources, and support to help you thrive.

Ready to take control of your summer spending?

Log in to your account or visit your local branch to explore how MTC Federal can help you beat the heat, without burning through your budget.