Advice Center Blog

Should You Pay Off Your Student Loans or Save for Retirement?

SUMMARY: When you’re in your 20s, 30s, or even 40s, you may find yourself caught between t...

The Great Debate: Choosing Between a 401(k) or IRA

SUMMARY: Just over half of working Americans participate in some form of workplace retirem...

Five Financial Goals to Accomplish Before You Turn 30

SUMMARY: Leaving your 20s behind can be an intimidating thought—if you’re not ready. Here’...

Should You Manage Your Own Investments or Hire a Wealth Advisor?

SUMMARY: From apps to blogs to robo-investors, financial advice is now available anywhere ...

How Much Should You Have Saved for Retirement?

SUMMARY: There’s one question that eventually enters every worker’s mind—how much should I...

Guide to Creating a Monthly Budget (And Sticking to It)

SUMMARY: How much money should you be saving, spending on necessities, and spending on wan...

"I Have $10,000, What Should I Do With It?"

SUMMARY: Let’s say you have $10,000. Should you use that money to pay off debt, establish ...

Why, What, How: Diversifying Your Investment Portfolio

SUMMARY: There are many places to put your hard-earned money, but the one thing all expert...

You're 10 Years into Your Career. Is It Time to Take Retirement More Seriously?

SUMMARY: So, you’re 10 years into your career. Is it time for you to start taking retireme...

Millennials: 5 Costly Mistakes You Need to Avoid in Your 20s

SUMMARY: Research says millennials tend to spend more than their generational counterparts...

Millennials: Here's How Compound Interest Can Make or Break Your Future

SUMMARY: As a millennial, you have a huge leg up over earlier generations—time is on your ...

4 Ways a Wealth Advisor Can Help You Manage Your Money

SUMMARY: Whether it’s an engagement, marriage or baby, a promotion, inheritance or retirem...

Where Should Retirement Fit In with Your Financial Goals in Your 30s?

SUMMARY: Once you turn 30, retirement savings are a financial goal that should start movin...

10 Retirement Terms Everyone Needs to Know

SUMMARY: Retirement can be a complex subject. If you need a little help clarifying things,...

Making Your Retirement Savings Last: Safe Investments for Retirees

SUMMARY: With people living longer than ever before, it’s possible you’ll spend several de...

Stocks, Bonds, and Mutual Funds: What's the Difference?

SUMMARY: Three of the most popular types of investments are stocks, bonds and mutual funds...

Asset Allocation: What Should You Be Doing with Your Money?

SUMMARY: Once you’re ready to start investing, the next step is deciding where. This blog ...

Saving Beyond a 401K and IRA: 4 Other Retirement Accounts to Consider

SUMMARY: While 401(k) and IRA accounts may be the most popular ways to save for retirement...

Six Retirement Options If You’re Self-Employed

There are many perks to being self-employed. You set your hours, take on only the clients ...

Why Retirement Planning Shouldn't Stop After You Retire

You’ve squirreled away every last penny, contributed diligently to your 401(k) since you e...

You're Ready to Retire, Now What? Five Ways to Invest Retirement Income

Whether your retirement plans involve a quiet life in your hammock or a yacht in a port of...

Infographic: Your Complete Road Map to Retirement

Where do you see yourself in the next 10, 20 or 30 years? What kind of lifestyle do you wa...

What Should You Look for When Choosing a Wealth Advisor?

The pursuit of wealth is a constant. It’s the drive that gets you up in the morning and ke...

Rolling Over Your 401(k): Why, What, and How

Among the many positive things you’ll take with you when leaving a job—expertise that will...

It's Bonus Season! What Will You Do With Your Extra Cash? We Have Some More Suggestions.

SUMMARY: We heard your feedback, so we decided to get a little more detailed! Our previous...

Should You Keep Your Wealth Advisor Once You're Ready to Retire?

Your wealth advisor has been a trusted ally through much of your working life. You’ve been...

It's Bonus Season! What Will You Do With Your Extra Cash? We Have Some Suggestions.

Whether you built up savings over the past year, received a tax refund, or earned a year-e...

Need to Roll Over Your 401(k)? Follow These Five Steps

You’ve come to a fork in your career path and made a choice, one that means you will soon ...

Five Retirement Expenses That May Sneak Up on You

You’ve got your retirement plan in place. Budgets have been drafted, portfolios sufficient...

Is Your Company's Retirement Plan a Good One?

You wrote killer cover letters, spruced up your resume, made it through the interview gaun...

How to Make Retirement Planning a Year-Round Commitment

While retirement has the potential to present us with a wide-open field of life-after-work...

IRS Raises Retirement Plan Contribution Limits for 2019

This past November, the IRS announced that it would increase the contribution limits for a...

Unique Retirement Planning Challenges for Women

Retirement planning can be a stressful experience for anyone. Financial insecurities, conc...

Seven Tips to Avoid Running Out of Money in Retirement

There is a universal question shared by everyone who enters retirement—will I have enough ...

Four Tax-Savvy Withdrawal Strategies in Retirement

Taxes rank with healthcare as one of your biggest potential retirement expenses. As such, ...

Is Early Retirement a Realistic Dream?

Most of us dream of a day when we no longer need to show up to a job on time. A day when w...

3 Ways Annuities Can Fit into Your Retirement

There are many investment tools to consider when planning your retirement. In addition to ...

Five Common Annuity Myths to Know When Saving for Retirement

Complicated. Expensive. Unnecessary. These are just some of the ways that the general publ...

Smart 401(k) Withdrawal Strategies

As retirement age draws near—and with the recent development that 2019 401(k) contribution...

6 Ways to Save for Retirement (Even if You're Behind)

Retirement—it’s something we all eagerly anticipate, but the details often prove elusive. ...

How Do I Know I'm Saving Enough to Retire?

Some things in life are fairly obvious, like the fact that most of us can’t see the nose o...

Year end financial checklist

SUMMARY: As the year comes to a close, you may already be looking forward to the new year....

How to Implement a Dynamic Retirement Spending Strategy

Have you taken a good look at your spending habits lately? The unknowns and potential chan...

The Top 7 Things You Need to Know When Investing for Retirement

Most everyone knows that they have to invest some portion of their earnings during their w...

How your new year's resolution can improve your finances

SUMMARY:If your New Year's resolution is to make more money, you're not alone. According t...

The cost of college: How we can help!

SUMMARY: The cost of attending college has risen so quickly that most parents and students...

Homeowner's insurance 101

SUMMARY:As a homeowner, you need insurance to protect your property and all the belongings...

5 Ways to Make Health Insurance Part of Saving for Retirement

When most couples retire, they generally don’t have the high cost of healthcare on their m...

6 Ways You Could Earn a Return on Your Retirement Investment

With the cost of living getting higher each year and people living longer lives, it’s impe...

Healthy living, healthy wallet: How healthy living can impact your financial health

SUMMARY: You probably already know that eating healthy and engaging in moderate exercise a...

The Top 7 Retirement Mistakes to Avoid

There are two lines of thought when it comes to retirement planning. There’s the line of t...

Financial planning with any income

SUMMARY:Financial planning isn't a one-size-fits-all proposition. Everyone has a different...

FAQs: 401(k) Rollover Rules

At some point in your working career—perhaps because you’ve made the decision to retire fr...

Can an IRA still work for me at age 60 or older?

Many of us consider age 60 and beyond to be our golden years. At that age, our vision of h...

Retirement: How much is enough?

SUMMARY:There have been a lot of numbers thrown around regarding how much you need to comf...

How to finish strong with your retirement investments

Do you know what retirement investing and marathons have in common? Both can be long-durat...

5 Ways You Could Build Your Retirement Savings

If you are like most people saving for retirement, you’ve likely put a lot of effort into ...

Cut the cost of teen car insurance!

SUMMARY: As a parent, it's only natural for you to feel nervous when it's time for your te...

3 Ways You Could Reinvest Your Retirement Savings

You may think you’ve saved enough money to last through your retirement, but any number of...

Overwhelmed by Social Security Paperwork? These Tips Could Help

On Aug. 14, 1935, President Franklin D. Roosevelt signed into law the Social Security Act ...

How to prepare for financial emergencies

SUMMARY:A financial emergency can happen to almost anyone at anytime. Everything from a ma...

4 steps to meet your financial goals

SUMMARY:You have big dreams for your future, but dreaming is not enough. Do you want to go...

Car insurance 101

SUMMARY:Your vehicle is both one of your biggest financial assets and one of the most impo...

Social Security 101: What you need to know

SUMMARY: Although millions of people plan on using Social Security to make up part of thei...

Understanding Your 401(k) Options

If you’ve been part of the American workforce for any length of time, chances are you have...

Renter's insurance: What you need to know

SUMMARY: Most homeowners know they need insurance to protect the value of their home, whil...

5 Secrets to Making Your Retirement Savings Last

Retirement. The dictionary defines it as the act of leaving one's occupation and ceasing t...

How to Manage Risk When Investing for Retirement

If you’re a savvy investor, you likely know how to manage risk as you weigh your investmen...

Analyze your risk with TDECU Insurance

SUMMARY: Determining what kind of insurance your family needs can feel a little overwhelmi...

Your financial data security checklist

SUMMARY:Identity theft has become such a pervasive problem that it affected about 15.4 mil...

Can You Afford to Retire? 6 Things To Consider

Oftentimes, when we think of retirement, we think of endless days of leisure spent traveli...

Basic life insurance terms you need to know

SUMMARY: Before you choose a life insurance policy, you should learn some basic terms that...

Medicare Planning Got You Down? Check Out These Helpful Tips

Country music star, Kenny Chesney, has a song called “Don’t Blink,” in which he sings abou...

How to identify fake websites

SUMMARY:More than 75 percent of Americans shop online. For the most part, those people can...

How to Calculate Retirement Contributions by Age

If you’ve ever tried to navigate your way through a maze, you undoubtedly know that choosi...

Lost your credit or debit card? We can help!

SUMMARY: Losing your credit or debit card is stressful and can feel like quite the hassle....

Why Retirees Should Be Planning for Long-Term Care Now

While we spend our days enjoying time with family and friends, it’s sometimes hard to cont...

FINrgy - Financial education for you!

SUMMARY: TDECU strives to be more than just a Credit Union. We want to bring our Members a...

4 Things You Need to Know About Social Security

Social Security. Most of us know what it is―a monthly benefit issued by the federal govern...

How to identify phishing emails

SUMMARY: Criminals make phishing emails look as realistic as possible so they can trick pe...

How to Make the Most of Your Money In Retirement

Benjamin Franklin once said, “A penny saved is a penny earned.” Although that might seem l...

Staging your home to sell

SUMMARY: AWhen it comes time to sell your home, why should you consider staging it? Accord...

Which mortgage is right for you?

SUMMARY: Finding a mortgage is like finding the right sized shoe, it's not a one size fits...

Is your credit score going up?

SUMMARY: It's a good idea to check your credit score from time to time to make sure you ge...

What is AD&D insurance? We'll show you how to get 2k in free coverage!

SUMMARY: Accidental death and dismemberment insurance protects you and your family if you'...

Need a hand? Try our TDECU self-service guide!

SUMMARY:If you're a TDECU Member, you may or may not be aware of the many features and ame...

Want to make a splash? How to plan financially for a swimming pool

SUMMARY:Want to add a pool to your home for this summer? With the average cost of a pool e...

How to plan financially for your next summer vacation!

SUMMARY:Whether you go on a solo adventure or you bring the whole family, summer vacations...

4 Steps to Getting Your Retirement Savings on Track

Americans who relied solely on 401k and IRA accounts to fund their retirement saw their ac...

Need help balancing your check book? We've got you covered!

SUMMARY:With online and mobile banking being wonderful options to help keep track of your ...

When Hurricane Harvey hit, TDECU stepped in.

SUMMARY: While Hurricane Harvey may be in the past for many of us who were not affected, i...

How to Be Prepared for  2018's Hurricane Season

SUMMARY:As the 2018 hurricane season approaches, you should take precautions to make sure ...

Need help resetting your password? We can help!

SUMMARY:It happens to the best of us, keeping track of complicated passwords can get trick...

What Are Hard and Soft Credit Inquiries? Let Us Explain!

SUMMARY: Are you trying to maximize your credit score for a mortgage, car loan or better c...

What Can You Do With Your Tax Refund?

SUMMARY: The average tax refund in Texas pays $3,133. That’s a considerable amount of mone...

How to Avoid FEMA Impersonators and Identity Theft

SUMMARY:The Federal Emergency Management Agency (FEMA) responds to natural disasters and a...

Avoid Rising Electricity Rates in Houston. Save today!

SUMMARY:Even if summer is your favorite time of year, you probably aren't a fan of the hig...

Buying or Building a Smart Home? What You Need to Know

SUMMARY:The growing popularity of smart homes makes it more likely that you may purchase o...

5 Ways to Build Your Credit Score as a Student

SUMMARY: Did you know that nearly a third of Americans have bad credit? Having a poor cred...

5 Surprising Ways to Save on Electricity This Spring

SUMMARY: The freezing winter months are finally coming to a close, which can only mean one...

Skip the Signature for Faster Payment Experiences!

SUMMARY: Checking out at the store may be faster than ever! Lucky for you, many MasterCard...

Take the Guess-work Out of Tax Forms

SUMMARY: Believe it or not, tax season will be here before you know it! Many folks dread t...

Cash is King? Why saving some cash may be helpful in the long-run.

SUMMARY: Learn how keeping a cash reserve can help you in both the long and short-term.

How to Stay Safe during Freezing Weather Conditions

SUMMARY: Brrr! Many offices, schools and businesses have closed or announced shortened hou...

What is a Routing Number? What’s TDECU’s Routing Number?

SUMMARY: Learn what your routing number is, and see TDECU’s routing number.

How to Budget for the Holidays

SUMMARY:Keep your checkbooks balanced and your budget in-check with these helpful Holiday ...

How to Travel Safely & Keep Your Home Safe During the Holidays

SUMMARY: Jet-setters and road warriors read on! TDECU has some important safety tips to ke...

TDECU Holiday Shopping Tips

SUMMARY: Whether you’re a Black Friday pro, or an online shopper, we’ve got some tips to h...

How You Can Benefit from the IRS's Harvey Tax Relief Program

SUMMARY:Victims of Hurricane Harvey may qualify for federal tax relief efforts, including ...

Are Paper Statements Unsafe? Why e-Documents are the Clear Choice

SUMMARY: Paper statements can leave you vulnerable to identity theft and fraud. Learn how ...

Tell Us Your Travel Plans to Avoid Declined Transactions

SUMMARY: Avoid the hassle of denied transactions due to suspicious activity. Notify TDECU ...

9 Ways to Save for Your Child's Future

Unfortunately for your wallet, aid from the government, college and private scholarships o...

How To Choose a Charity Organization to Donate to

Do you constantly get letters or emails asking to donate for a certain cause?Do you often ...

How to Help After Harvey

Hurricane Harvey devastated many parts of our wonderful state, but countless people have s...

Houston Hacks

Welcome to Houston Hacks, where you can learn more and explore Houston in ways you may not...

How to Safely Shop Online

With online shopping becoming more and more prevalent, you can easily click and have thing...

401k 101: The basics of having and managing a 401k

When you’re looking at retirement plans, you’ll probably come across an item known as the ...

Why You Should Choose a Credit Union Over a Large Bank

You may already be familiar with what a credit union is, but when you’re making a decision...

Summer Travel Tips!

Summer is here, which means our summer tradition is here again: family vacations! The memo...

Annual Home Maintenance Checklist

Buying your first home comes with a lot of responsibilities.

How to Child-Proof Your Mobile Phone

Your smartphone is probably one of the most important devices you own.

What is an APR?

Annual Percentage Rate (APR) isn’t a technical finance term. Still, there are aspects that...

Should I Buy a Home or Keep Renting?

Buying a home is part of the American Dream. But, at least from a financial perspective, t...

The Small Business Owner's Guide to Chip Cards

Long gone are the days when a shopper was required to carry large amounts of cash in a wal...

Why you need to pay more than the minimum on your debts

Current statistics provided by the U.S. Census Bureau and the Federal Reserve state that t...

3 Ways to Protect Your Financial Information from Hackers

SUMMARY: Today's technology makes it easier than ever to conduct a full range of financial...

Why Are Chip Cards More Secure Than Swiping?

You got your new chip credit card. Now, every time you go to a store, there's confusion ov...

When Should You Consider Getting a Home Equity Loan?

As you pay down your mortgage, the accumulated wealth can become one of your largest asset...

Your Rights When Applying for Credit

When you apply for credit, the process can seem mysterious, especially because lenders kee...

How to Secure Your Browser

Being smart when you go online can protect both your computer and your finances. While man...

Why You Should Avoid Payday Lending

  Payday lenders can seem like the perfect solution when you face a financial emergency. M...

The Pros and Cons of a Home Warranty

A home warranty offers you several advantages. There are, however, some downsides to purch...

Consolidating Credit Cards – How, Why and Reducing Interest Rates on Your Exisiting Debt

 Whether you've had an emergency or were living beyond your means, you may find yourself w...

Digital Payments Options for Small Business

Today's businesses need to accept as many payment options as possible from their customers...

Preparing Your Home to Be a Smart Home

As more people realize that smart devices and appliances can make life easier, they'll wan...

Differences Between a Traditional and Roth IRA

Retirement can sneak up on you and poor financial planning can leave you unprepared. TDECU...

What to Do When You Suspect You Have Been Infected With Malware

Computer security experts estimate that over a third of personal computers contain viruses...

Should You Always Use Your Employer's Retirement Plan?

Did you automatically sign up for your employer's retirement plan without considering your...

6 Things to Do Before Buying a Home

If you're thinking about buying your first home, you need to start planning now. It takes ...

How to Plan for Next Year's Taxes

Should you be thinking about taxes when it isn't even April yet? If you don't want to pay ...

Deleting Sensitive Data From a Computer

Did you know that any person with a simple data recovery software program can restore dele...

3 Ways to Protect Your Small Business From Credit Card Fraud

Fraud costs small organizations an average of $147,000 every year, while a massive 70 perc...

Recognizing Email Scams: Phishing and Spam

The internet opens virtual doors to the rest of the world and gives you unprecedented acce...

Why You Should Pass on Public WiFi

Many people view WiFi as a necessity, and businesses fear losing customers if they don't o...

Ways to Minimize Your Exposure to a Data Breach

In a prior article we talked about ways to minimize your exposure to a data breach, debit ...

How to Know You’re Ready For a Bigger House

We have never heard anyone say moving is their favorite thing to do. What is there to love...

Risky Places to Use Your Debit Card

Are you among the quarter of Americans who have experienced debit card fraud? According to...

Is Robo-Advising Right for You?

You’ve heard of Robo-cop. You’ve probably heard of Japanese Robo-dogs. But what exactly is...

What To Do If Your Wallet or Purse is Stolen

Has this ever happened to you? You are in a rush. You run out the door with your belonging...

Five Questions to Ask Before Choosing a Real Estate Agent

According to the U.S. Census Bureau, homeownership among Americans at the end of the first...

Storing Your Sensitive Documents In Case of Disaster

When any type of disaster hits close to home, your immediate concern is personal safety. O...

Ways to Minimize Your Exposure to a Retail Data Breach

No one likes to think their payment information may be at risk when shopping at their favo...

Ways to Increase Your Home’s Curb Appeal

When selling a home, first impressions have impact – positive or negative – on potential h...

Getting the Most Out of Tax-Free Weekend

From Friday, August 5 to Sunday, August 7, Texas parents have the opportunity to purchase ...

Should You Buy a “Starter Home” or Wait?

The hot housing market and low interest rates may have you thinking about taking the plung...

How to Correct Errors on Your Credit Report

Your credit report matters. Think of it as a snapshot of your financial health. The inform...

Should I Hire a Real Estate Agent to Sell My Home?

According to Realtor.com, 89% of sellers use a real estate agent when selling their home (...

Tips for Downsizing the Easy Way

Downsizing is not easy for most people. Whether you are moving from 5,000 square feet to 2...

How to Protect Against Credit Card/Debit Card Fraud

Credit card fraud happens to people every day. While you can’t always prevent it from happ...

Tips to Achieve Financial Wellness

Health and wellness programs have grown in popularity as people embrace the idea of a bett...

Is a Mobile Wallet App in Your Future?

You’ve seen the commercials. A young man or woman goes into a cafe, buys a fancy coffee, p...

Top Personal Finance Apps

Anyone who’s tried to manage their finances by saving, spending, investing, or budgeting m...

The Basics of Smartphone Security

It seems they’re everywhere; smartphones have become essential tools of life, and are with...

Preparing Your Credit to Buy a Home

The number of buyers paying cash for their homes has risen in recent years, but most Ameri...

Yours, Mine and Ours: Managing Money with Your Partner

The big decision has been made. You are taking the next step to merge households−everythin...

Online Fraud is on the Rise: Tips for Creating Strong Passwords

According to a 2015 Consumer Account Security Report by TeleSign, 2,000 people in the U.S....

Four Simple Ways to Save $100

These days it seems like the cost of living is constantly on the rise making your income s...

Eight IT Security Risks to Small Businesses

As our members know well, small-to-medium sized businesses (SMB) can offer many advantages...

Vacation Budgeting Tips for Fun in the Summer Sun

According to a recent Spending and Saving Tracker survey conducted by American Express (20...

It’s College Acceptance Season: 4 Steps to Spend Smart with a Student Budget

Going to college is an exciting, and an expensive time in your life. For most students goi...

Increasing Your House's Curb Appeal on a Budget

Home buyers form opinions within the first few moments they arrive at a property. When you...

Consolidating Credit Card Balances - How and why you should reduce the number of credit cards with a balance

Many consumers run into financial trouble when they use more credit than they can easily p...

What Exactly is a 401K and Why Do You Need It?

When you’re looking at retirement plans, you’ll probably come across an item known as the ...

How Exactly is Your Credit Score Derived?

Have you ever wondered how your credit score is derived? It’s a question asked in banks an...

Steps to Take in Case Your Wallet or Purse Are Stolen

In my last blog post I mentioned our new neighbor with the unsecured home wireless setup. ...

Home Improvements That Add Value

When it comes to your home, you know that you want to make sure that your home is a great ...