“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 |
| 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.
| February 2012 |
| |
 |
Credit Finesse
Tuesday, February 21, 2012
6:00 p.m. – 8:00 p.m.
Harford Habitat for Humanity Offices
205 Hays Street, Bel Air, MD 21014
Credit, it's hard to get through life without it. Learn to:
- Establish and maintain your good credit name
- Strengthen and rebuild your credit
- Review a credit report and credit scores
- Get your FREE credit report
Reserve your space today!
- Call 410‑612‑2361
- email workshopRSVP@apgfcu.com
|
| |
| March 2012 |
| |
|
Finding Hidden Cash
Tuesday, March 06, 2012
6:00 p.m. – 8:00 p.m.
Harford Habitat for Humanity Offices
205 Hays Street, Bel Air, MD 21014
Do you have a budget and still find yourself short on cash? Learn to:
- Save and stretch your hard-earned dollars
- Find extra cash in your budget
Reserve your space today!
- Call 410‑612‑2361
- email workshopRSVP@apgfcu.com
|
| |
|
Financial Life Skills
Tuesday, March 20, 2012
6:00 p.m. – 8:00 p.m.
Harford Habitat for Humanity Offices
205 Hays Street, Bel Air, MD 21014
Do you know your own money personality? Understanding your money personality will help you understand why you make the money choices you make. We'll cover:
- Financial goal setting
- Budgeting
- Saving
- Credit
- Investing and asset protection
This is a great class to get started in acquiring solid money management skills for life.
Reserve your space today!
- Call 410‑612‑2361
- email workshopRSVP@apgfcu.com
|
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 APGFCU's Education and Financial Workshops, which
cover a variety of financial topics we will encounter
throughout our lives. The workshops are free and open to everyone.
Some workshops are available in 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 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. |
 |
|
