“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.
Seminars
| March and April 2010 |
Heading to Fort Lee as Part of BRAC?
If you’re moving to Fort Lee as part of BRAC, lunch and learn about your new community from those who have already moved. Get the buzz on neighborhoods, schools, amenities and get tips on making your move smoother and stress-free. Reservations required. Call 410-612-2361 or email workshopRSVP@apgfcu.com.
Friday, March 19, 2010
11:30 am
– 1:00 pm LUNCHEON
APG Branch, 2nd floor, Chesapeake Avenue & Oakington Street |
| |
Heading to Fort Lee as Part of BRAC?
If you’re moving to Fort Lee as part of BRAC, learn about your new community from those who have already moved. Get the buzz on neighborhoods, schools, amenities and get tips on making your move smoother and stress-free. Reservations required. Call 410-612-2361 or email workshopRSVP@apgfcu.com.
Friday, March 19, 2010
5:00 pm - 6:30 pm
APG Branch, 2nd floor, Chesapeake Avenue & Oakington Street |
| |
Is Now the Time to Refinance My Home?
When interest rates change in your favor, you may want to refinance. Before you do, what’s your financial situation? How long will you be in your home? What are your goals? We’ll discuss the costs and the steps to take before you consider refinancing. Reserve your space today! Call 410-612-2361 or email workshopRSVP@apgfcu.com.
Wednesday, March 24 , 2010
6:00 pm – 7:30 pm
321 S. Main Street, Bel Air, 2nd floor,APGFCU Home Loan Center (Behind the Bel Air Branch) |
| |
Why Should I Join a Credit Union?
One in every three Americans belongs to a credit union -- that's more than 92 million people who belong to one of 8,200 credit unions with more than $480 billion in collective assets. So what do they know that you don't know? How exactly will a credit union benefit you? Learn about the credit union difference and why you should join. Reserve your space today! Call 410-612-2361 or email workshopRSVP@apgfcu.com.
Tuesday, March 30, 2010
6:00 pm – 7:30 pm
321 S. Main Street, Bel Air, 2nd floor,APGFCU Home Loan Center (Behind the Bel Air Branch) |
| |
It Takes Two! Couples Workshop
Couples will learn how to financially communicate and speak their money language. Couples will explore strategies for better budgeting, managing finances, combining credit and more. Couples are encouraged to take this course together. Reserve your space today! Call 410-612-2361 or email workshopRSVP@apgfcu.com.
Thursday, April 8, 2010
6:00 pm – 8:00 pm
321 S. Main Street, Bel Air, 2nd floor,APGFCU Home Loan Center (Behind the Bel Air Branch) |
| |
A Purse of Your Own
Deborah Owens, nationally-known author, talk show host and motivational speaker, will share her seven wealthy habits for financial empowerment based on her book, “A Purse of Your Own,” an easy guide to financial security. The first 25 people to arrive will receive a FREE copy! Refreshments will be served. RSVP’s not required. Questions? Call 410-893-7359 or email edteam@apgfcu.com.
Friday, April 23, 2010
5:00 pm – 8:00 pm
Barnes & Noble Booksellers
620 Marketplace Drive, Tollgate Marketplace, Bel Air |
| |
How Will You Pay for Long Term Care?
Will you or a loved one need home health care or nursing home care? Without careful planning, the high cost of long term care services could exhaust your assets and personal savings. Get expert advice on the benefits of long term care insurance and how it can help pay the high costs of these services. Reserve your space today! Call 410-612-2361 or email workshopRSVP@apgfcu.com.
Thursday, April 29, 2010
6:00 pm – 7:30 pm
321 S. Main Street, Bel Air, 2nd floor,APGFCU Home Loan Center (Behind the Bel Air Branch) |
| |
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| |
APGFCU also offers FREE 24/7 online workshops to help you save money, make money, and make your life easier – all from the comfort and convenience of your own home! |
|
 |
Plastic Surgery
Learn the real costs associated with credit card debt and receive tips on reducing debt, interest rates, and fees while improving your credit score.
Online Workshop |
|
For Couples Only! Balance Your Financial Relationship
Don’t fight over money! This FREE workshop will show couples how to budget and manage finances, combine credit, and more.
Online Workshop |
|
1st Time Homebuyers
Learn mortgage terminology, the pre-purchase process, how to get pre-approved, budget, and qualify for your first home.
Online Workshop |
|
Need help balancing your checkbook?
Learn the do’s and don’ts of managing and balancing your checkbook in this interactive guide.
Online Workshop |
|
Drive Away Happy
Learn the hidden costs of auto buying, the art of negotiation, how to make an informed decision before you buy, and how to select the right loan to fit your needs.
Online Workshop |
|
Manage Your Debt and Save Money
Get a free debt analysis and suggested personal action steps to get your finances back on track in this interactive guide.
Online Workshop |
| |
Simplify Your Life and Save Money with these interactive resources to help guide you through all aspects of successful personal financial management: • FoolProof
• Debt in Focus
• BalanceTrack
• Anytime Adviser |
| |
Kids, Teens & Young Adults!
Check out these cool sites for interactive games and puzzles to help you get, save and manage your money. • Googolplex
• Guides to Independence
• FoolProof |
| |
¿Hablas español? • Programa de ejercicios sobre BALANCE financiero .
• BalanceTrack es un programa educativo de administracion de cuenta de checques.
• Consejero a cualquier hora – 24/7 entrenamiento financiero en linea . |
| |
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. |
 |
|
