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Financial Wellness Center

Everything you need to keep you on track
Seminars
Budgetary Advice
Need some financial advice? Ask the Experts!
Free Budgetary Advice Worksheet  Get Adobe Acrobat Reader
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How Fit Are Your Finances? Take this Quiz to find out!
You and Your Credit Report
Five Factors you need to know about your FICO Credit Score
Get Your Equifax Credit Report Now!
Balance Financial Fitness Program
Programa de ejercicios sobre Balance Financiero (En Español)
InBALANCE Online Checking Account Education
EnBALANCE Programa Educativo de Administracion de Cuenta de Cheques
(En Español)
Anytime Adviser - 24/7 Online Financial Coaching
Consejero a Cualquier Hora - 24/7 Entrenamiento Financiero en línea
(En Español)
Anytime Adviser - Couples & Money Coach
Article - Checked for Success: Getting the Most from your Checking account
Article - Check 21: Speeds Checking, Sinks Float
Red Cross Disaster Recovery Financial Guide
Credit Card Pitfalls Get Adobe Acrobat Reader
 
Youth and Education Services

Delivering the best in financial literacy education
Seminars
APGFCU Education Department Services
Moola Moola (ages 12 & under)
STARSS (ages 13 to 21)
GOOGOLPLEX
Guides to Independence
HCPS Teachers Direct Deposit Form
 
Calculators

See all of our Financial Calculators
 
Auto Center

Vehicle Loans
Credit Union Financing at the Dealer
Research and Compare
Anytime Adviser - New Car Buying Coach
Consejero a Cualquier Hora - Consejero para la compra de un auto nuevo
(En Español)
Anytime Adviser - Used Car Buying Coach
Consejero a Cualquier Hora - Consejero para la compra de un auto usado
(En Español)
 
Personal Investment Solutions

Goles Investment Group
InBALANCE Online Training
Personal Security

Fraud Alerts
Protect yourself from Identity Theft
  - ATM Safety
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  - Balance Identity Theft Solutions
Email Scams - Phishing
How APGFCU Protects You
Anytime Adviser - ID Theft Coach
Consejero a Cualquier Hora - Consejero de robo de identidad (En Español)
Your Privacy at APGFCU
 
Checking Accounts

Direct Deposit
Check 21
inBalance -
Learn to manage your accounts
Checked for Success
Anytime Adviser - Checking Account Coach
Consejero a Cualquier Hora - Consejero de cuenta chequera (En Español)
 
Tax Solution Center

TurboTax® OnlineSM
Tax Loans—Faster refund money
Tax Credit
Returns Checklist
Getting a Refund?
Tax Blunders
 
Bankruptcy Center

Considering Bankruptcy?
Bankruptcy Myth vs. Facts
Bankruptcy Ain't Cheap
Warning Signs of Credit Trouble
 
Mortgage Information Center

Mortgages
Research and Save - Fannie Mae
Home Equity Loans & Lines of Credit
Anytime Adviser - Home Buying Coach
Consejero a Cualquier Hora - Consejero de compra de cheques (En Español)
Balance - Housing Counseling
Balance - Unlocking the Door to Homeownership
Balance - Early Delinquency Intervention: Saving Your Home From Foreclosure

Seminars

May 2008

"Understanding the Home Loan Closing Process" Seminar - Offered by Mary Dann, Paragon Title Corporation, will teach you how to navigate from approval through closing on your mortgage loan. You'll learn how to read the Settlement Statement, understand the "why" and "what for's" of Title Insurance, doc stamps, transfer taxes, etc.

When: Thursday, May 8, 11am to 1pm.
Where: APGFCU Home Loan Center in Bel Air, 321 South Main Street
RSVP: Click here to sign-up or call 410-893-7359

"Smart Start Your Business " Seminar - Offered by the Harford Community College Small Buisness Development Center.. This two-hour orientation program provides an overview of the ways to start a business, the skills and duties of a successful entrepreneur, and how to write a strategic business plan. Other services offered by the SBDC are also discussed.

When: Tuesday, May 13, 6p.m. to 8p.m.
Where: Elkton Branch location, 1204 E. Pulaski Hwy, Elkton, MD
RSVP: Click here to sign-up or call 410-893-7359

June 2008

"Home Selling " Seminar - Offered by Long & Foster Smart Move. Discussion will include reasons for selling, costs of selling your home, getting your home ready for sale, showing your home, negotiating the sale, the written contract and “FSBO.”

When: Wednesday, June 11, 6pm to 8pm.
Where: APGFCU Home Loan Center in Bel Air, 321 South Main Street
RSVP: Click here to sign-up or call 410-893-7359

"Teens – Job vs. Career " Seminar - Offered by APG Army Community Service. Today’s work force offers many challenges and learning has a tremendous impact on future earnings. Teens ages 13 – 18 will learn the benefits of job vs. career; the expectations of today’s employers; and the steps to submit an application. They will hear tips on resume writing along with hands on interviewing experience so they can achieve their own employment success.

When: Wednesday, June 18 & Friday, August 15, 12:30p.m. to 1:30p.m.
Where: APG Army Community Service Center offices
RSVP: Contact Marilyn Howard, ACS, at 410-278-9669

"Credit Report " Seminar -Offered by Aberdeen Proving Ground Federal Credit Union. Discussion will include hands-on instruction for getting, reading and understanding your personal credit report, as well as discussion on credit scoring and tips for protecting your identity.

When: Wednesday, June 18, 6p.m. to 8p.m.
Where: APGFCU Home Loan Center, 321 S. Main Street, Bel Air
RSVP: Click here to sign-up or call 410-893-7359

Youth - "Rolling in the Dough: Pizza & Dollars " Workshop - Offered by Harford Community College. This is a fun, informative and interactive money management workshop for middle school students. Through budgeting and Payday Lessons in Life games, students learn how $1 saved today can make them a millionaire years from now. Students will also enjoy a pizza party lunch.

When: Thursday, June 26, 10a.m. to 1p.m.
Where: Harford Community College
RSVP: HCC at 410-836-4376

July 2008

"Teens – Job vs. Career Seminar " Seminar - Offered by Aberdeen Proving Ground Federal Credit Union in partnership with APG Army Community Service. Today’s work force offers many challenges and learning has a tremendous impact on future earnings. Teens ages 13 – 18 will learn the benefits of job vs. career; the expectations of today’s employers; and the steps to submit an application. They will hear tips on resume writing along with hands on interviewing experience so they can achieve their own employment success.

When: Wednesday, July 23, 11:30a.m. to 1p.m.
Where: APG Army Community Service Center Offices
RSVP: Contact Marilyn Howard, ACS at 410-278-9669

"Smart Start Your Business " Seminar - Offered by Aberdeen Proving Ground Federal Credit Union and Harford Community College Small Buisness Development Center.. This two-hour orientation program provides an overview of the ways to start a business, the skills and duties of a successful entrepreneur, and how to write a strategic business plan. Other services offered by the SBDC are also discussed.

When: Wednesday, July 30, 12:30p.m. to 1:30p.m.
Where: APG Army Community Service Center Offices
RSVP: Contact Marilyn Howard, ACS at 410-278-9669

August 2008

Youth - "Rolling in the Dough: Pizza & Dollars " Workshop - Offered by Aberdeen Proving Ground Federal Credit Union and HCC. This is a fun, informative and interactive money management workshop for middle school students. Through budgeting and Payday Lessons in Life games, students learn how $1 saved today can make them a millionaire years from now. Students will also enjoy a pizza party lunch.

When: Tuesday, August 5, 10a.m. to 1p.m.
Where: Harford Community College
RSVP: HCC at 410-836-4376

"Teens – Job vs. Career " Seminar - Offered by APG Army Community Service. Today’s work force offers many challenges and learning has a tremendous impact on future earnings. Teens ages 13 – 18 will learn the benefits of job vs. career; the expectations of today’s employers; and the steps to submit an application. They will hear tips on resume writing along with hands on interviewing experience so they can achieve their own employment success.

When: Friday, August 15, 12:30p.m. to 1:30p.m.
Where: APG Army Community Service Center offices
RSVP: Contact Marilyn Howard, ACS, at 410-278-9669

"Credit Report " Seminar -Offered by Aberdeen Proving Ground Federal Credit Union. Discussion will include hands-on instruction for getting, reading and understanding your personal credit report, as well as discussion on credit scoring and tips for protecting your identity.

When: Wednesday, August 20, 6p.m. to 8p.m.
Where: Edgewood location, 1321 Pulaski Hwy.
RSVP: Click here to sign-up or call 410-893-7359

"Smart Start Your Business " Seminar - Offered by Aberdeen Proving Ground Federal Credit Union and Harford Community College Small Buisness Development Center.. This two-hour orientation program provides an overview of the ways to start a business, the skills and duties of a successful entrepreneur, and how to write a strategic business plan. Other services offered by the SBDC are also discussed.

When: Wednesday, August 27, 11:30a.m. to 1p.m.
Where: APG Army Community Service Center Offices
RSVP: Contact Marilyn Howard, ACS at 410-278-9669

September 2008

"Understanding the Home Appraisal Process" Seminar - Offered by Aberdeen Proving Ground Federal Credit Union. You will learn what your home appraisal report means, find out how valuations in today’s market are derived, how to increase your home’s value, and the difference between various home appraisals.

When: Thursday, September 18, from 11am to 1pm.
Where: APGFCU Home Loan Center in Bel Air, 321 South Main Street
RSVP: Click here to sign-up or call 410-893-7359

"Smart Start Your Business " Seminar - Offered by Aberdeen Proving Ground Federal Credit Union and Harford Community College Small Buisness Development Center.. This two-hour orientation program provides an overview of the ways to start a business, the skills and duties of a successful entrepreneur, and how to write a strategic business plan. Other services offered by the SBDC are also discussed.

When: Tuesday, September 23, 6p.m. to 8p.m.
Where: APGFCU Home Loan Center in Bel Air, 321 South Main Street
RSVP: Click here to sign-up or call 410-893-7359

"Smart Start Your Business " Seminar - Offered by Aberdeen Proving Ground Federal Credit Union and Harford Community College Small Buisness Development Center.. This two-hour orientation program provides an overview of the ways to start a business, the skills and duties of a successful entrepreneur, and how to write a strategic business plan. Other services offered by the SBDC are also discussed.

When: Wednesday, September 24, 11:30a.m. to 1p.m.
Where: APG Army Community Service Center Offices
RSVP: Contact Marilyn Howard, ACS at 410-278-9669

October 2008

Personal Security Seminar: "Deter, Detect, Defend" - Offered by Aberdeen Proving Ground Federal Credit Union. APGFCU's Security Team will present the latest scams and schemes taking place which can threaten your personal security. You will learn how to protect your information, how to prevent financial loss, and how not to be a victim of identity theft.

When: Tuesday, October 21, 7p.m. to 8p.m.
Where: APGFCU Edgewood location, 1321 Pulaski Hwy.
RSVP:Click here to sign-up or call 410-893-7359

"Smart Start Your Business " Seminar - Offered by Aberdeen Proving Ground Federal Credit Union and Harford Community College Small Buisness Development Center. This two-hour orientation program provides an overview of the ways to start a business, the skills and duties of a successful entrepreneur, and how to write a strategic business plan. Other services offered by the SBDC are also discussed.

When: Wednesday, October 22, 11:30a.m. to 1p.m.
Where: APG Army Community Service Center Offices
RSVP: Contact Marilyn Howard, ACS at 410-278-9669

November 2008

"Planning for a Transfer of Assets" Seminar - Offered by Aberdeen Proving Ground Federal Credit Union in partnership with the Goles Investment Group and Elder Law Attorney, Kevin Bress. This two-hour seminar addresses the baby-boomers coming of age and planning for the transfer and receipt of wealth from generation to generation to maximize savings and reduce tax liabilities.

When: Wednesday, November 5, from 6pm to 8pm.
Where: APGFCU Home Loan Center in Bel Air, 321 South Main Street
RSVP: Click here to sign-up or call 410-893-7359

"Planning for a Transfer of Assets" Seminar - Offered by Aberdeen Proving Ground Federal Credit Union in partnership with the Goles Investment Group and Elder Law Attorney, Kevin Bress. This two-hour seminar addresses the baby-boomers coming of age and planning for the transfer and receipt of wealth from generation to generation to maximize savings and reduce tax liabilities.

When: Wednesday, November 12, from 6pm to 8pm.
Where: Aberdeen branch location, Beards Hill Rd. & Rt. 22.
RSVP: Click here to sign-up or call 410-893-7359

"Smart Start Your Business " Seminar - Offered by Aberdeen Proving Ground Federal Credit Union and Harford Community College Small Buisness Development Center.. This two-hour orientation program provides an overview of the ways to start a business, the skills and duties of a successful entrepreneur, and how to write a strategic business plan. Other services offered by the SBDC are also discussed.

When: Wednesday, November 19, 11:30a.m. to 1p.m.
Where: APG Army Community Service Center Offices
RSVP: Contact Marilyn Howard, ACS at 410-278-9669

December 2008
No seminars scheduled at this time. Please check back at a later date.

 

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