I just use the good old paint program that comes with every windows, but u can update it to the newer version paint.net it works better
then just find a good screen from your video and make it interesting.
I am still trying new things, but I use an app called canva. It's is ok if you just want to place some text in front of a screen shot of your videos. It also has some other options like shapes and things to help get your thumbnail to pop.
Photoshop is my choice but if you are struggling for the money try Gimp (https://www.gimp.org/)
It comes with some of the same features but a different feel, but should get you started!
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