🎄📅 Tis the $eason (For a Mid-Year Money Checklist)

At MTC Federal, we’re working hard for hardworking people. And we know that when it comes to your finances, summer is more than just sunshine and vacations—it’s a smart time to get traction on your goals before the holiday season sneaks up.

In fact, 58% of U.S. adults say money is their biggest source of holiday stress. That’s why we’re encouraging our members to take a few simple steps now to reduce stress later. Whether you’re saving for gifts, travel, or just peace of mind, this mid-year money checklist is designed to help you finish the year strong.

✅ 1. Revisit Your Budget

Budgeting isn’t about cutting back—it’s about moving forward. Take a fresh look at your spending and identify areas where you can save or shift. Even small changes can help you build momentum.

💡 Need help getting started? MTC Federal members have access to free budgeting tools and expert guidance through the Financial Wellness resources on our website.

✅ 2. Automate Your Savings

Set up automatic transfers to a dedicated savings account—like a Holiday Club Account or activate the Savings Jar feature—to build a cushion for year-end expenses. Automating your savings helps you stay on track without having to think about it every day.

📲 Savings Jar is a new optional feature in our digital baking platform that connects to your checking account. Log-in to your Digital Banking account to activate and start saving!

✅ 3. Tackle Debt with a Plan

Debt doesn’t define you—but having a plan can help you take back control. Start by focusing on high-interest balances and explore options to consolidate or refinance for better terms.

🚗 Is your current vehicle loan costing you too much every month?
Now is the perfect time to take control of your payments with MTC Federal’s Beat Your Rate Auto Refinance Offer—built to help hardworking people like you save more and stress less:

• Lower Your Rate by 1%*
  Or refinance to our everyday low standard rate—whichever is lower.
• 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 your money works harder for you.

Whether you're looking to reduce your monthly payment or put extra cash back in your pocket, this limited-time offer is a smart way to gain traction and move forward with confidence.

🔗 View full offer details and terms here
Terms and conditions apply.

✅ 4. Stay on Top of Your Credit with Credit Savvy

Your credit score plays a big role in your financial opportunities—from loan approvals to interest rates. That’s why it’s important to keep an eye on it year-round, not just when you’re applying for credit.

With Credit Savvy, available FREE as part of our digital banking platform, you get real-time credit monitoring and insights to help you stay informed and in control. It’s a smart, secure way to track your credit health and spot potential issues early—without the hassle of pulling reports manually.

💡 Already enrolled in digital banking? Log in and activate Credit Savvy today to start monitoring your credit with confidence.

✅ 5. Reassess Your Investments

If you have investment accounts, make sure they still align with your goals. Life changes—and your strategy should too. A quick review now can help you stay on course.

✅ 6. Maximize Retirement Contributions

If your budget allows, increase your retirement contributions—especially if your employer offers a match. It’s one of the best ways to reward your hard work with long-term growth.

✅ 7. Review Your Insurance Coverage

Make sure your health, auto, home, and life insurance policies still meet your needs. Life events like marriage, a new baby, or a new home might mean it’s time to update your coverage.

We’re Here to Help You Gain Traction

At MTC Federal, we understand that managing your money isn’t always easy—but you don’t have to do it alone. Whether you're building a holiday savings plan, reviewing your budget, or simply trying to feel more in control, we’re here to support your journey.

We’re proud to offer tools, Financial Education resources, and real people who are ready to help you gain traction and move forward with confidence. Need extra assistance getting your finances back on track? As an MTC Federal member, you always have access to free financial counseling through GreenPath .

From smart savings strategies and lending solutions, we’re committed to helping hardworking people like you finish the year strong.