“Delivering
the best in financial literacy education.”
Dedicated to helping the citizens of Harford and Cecil
counties build secure financial futures, the Education
Department of Aberdeen Proving Ground Federal Credit
Union offers free money management education programs
and materials for any age group.
| To take advantage
of these programs and materials, call us at 410-893-7359
or
|
 |
if you |
| would like
to register for a seminar
or have a question or comment about our education
programs. |
Additional money management information can be found
in the Advice and Education section
of our website.
We currently offer programs for: Elementary
Schools, Middle Schools, High
Schools, and Adults. Click
here to see some of the organizations we have partnered
with.
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. |
Elementary School At
the elementary school level, students are introduced
to money and saving in a fun, interactive way. Each one
hour session covers a variety of topics with each lesson
laying the foundation for future lessons. Session activities
reinforce reading, writing, math and teamwork skills.
The sessions are available to all students Pre-K through
5th grade.
Lesson fun facts include-
 |
Money identification, including value
and face recognition |
 |
|
Sorting and counting money |
|
Saving, spending and sharing |
|
Introduction to saving and earning dividends |
|
Money security features |
|
Earning money |
|
Budgeting |
|
Check writing and endorsing |
| * Students may also enjoy a special
visit from our APGFCU Mascot, Moola
Moola. |
Middle School
Middle school lessons review elementary concepts but
explore them in much greater detail. Student at this
age are starting to earn and acquire money on a more
regular basis and lessons emphasize making wise money
management decisions. Interactive lessons reinforce
reading, writing, math and teamwork skills.
Session topics include-
|
Earning Money |
 |
|
Creating a plan for savings and spending A.K.A.
“ a budget” |
|
Understanding various long and short term savings
products |
|
Understanding the power of saving
and compound interest |
|
Checking account lesson including
a statement balancing activity |
|
Understanding ATM, Debit and Check
Cards and Online Banking |
|
Credit-Understanding the power and
responsibility |
|
Making wise consumer choices |
|
Careers and their financial impact
on your future |
High School
At the high school level, we are preparing students
for their futures in college, the work force and as
independent, financially responsible, young adults.
Each one-hour lesson will go into greater detail as
we explore and teach necessary financial life skills.
Topics include-
|
Savings; benefits, types of accounts,
short and long term savings goals |
|
|
Checking; traditional and electronic account management |
|
Budgeting; setting and achieving your financial
goals |
|
Credit; understanding the different
types of credit, understanding your credit report,
establishing and maintaining good credit |
|
Understanding Insurances; types and
why you need them |
|
Careers; resources for finding jobs,
application, resume and interviewing skills, understand
what employers expect of their employees |
|
Planning for and affording college/higher
education; education plays a vital role in your
future earning potential. |
Adults
Adults of all ages will benefit from our seminars, which
cover a variety of financial topics we will encounter
throughout our lives. These seminars are open to everyone.
They are free. Some seminars are offered in both English
and Spanish.
Topics include-
|
Credit Unions- Here to Serve You |
|
Financial Account Management; savings and checking |
|
Online Banking & Financial Convenience Service
Use |
|
Budgeting |
|
Managing Your Credit Wisely |
|
Buying a Home |
|
Identity Theft |
|
Retirement Planning |
|
Affording College |
|
Selling a Home |
|
Home Maintenance, Repairs & Insurance |
|
Avoiding Bankruptcy |
|
Career Development |
|
Effective Tax Management |
|
Understanding your credit report & score |
|
Planning for & starting your own small business |
|
Women's finance |
|
Understanding Long Term Care Insurance |
|
Asset preservation, allocation in later years |
| To take advantage of these programs, call us
at 410-893-7359 or
|
|
if you would like
to |
| register for a seminar
or have a question or comment about our education
programs. |
The Education Department
provides ongoing educational support as a partner with
the following organizations:
|
Aberdeen Proving Ground Army Community
Services |
|
Aberdeen Proving Ground Youth Services |
|
Anna's House |
|
Cecil County Boys & Girls Clubs |
|
Cecil County Community College |
|
Cecil County Public Schools - all school levels |
|
Harford County Boys & Girls Clubs |
|
Harford County Community College |
|
Harford County Habitat for Humanity |
|
Harford County Home School Community |
|
Harford County Housing Authority |
|
Harford County Independent School Community |
|
Harford County Public Library |
|
Harford County Public Schools - all school levels |
|
Harford County YMCA |
|
MD National Guard Freestate Challenge Academy
at Aberdeen Proving Ground |
|
W.A.G.E. Connection |
| Keep ahead of the game and
get balanced! Learn
more about our Balance Financial Fitness program. |
 |
| Need Help? Use
our interactive 24 hour, 7 days a week Online Financial
Coach. Learn
more about our Anytime Adviser. |
 |
|
