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APGFCU Education Department Services

“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 Education Contact Us 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 Moola Moola
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 STARSS
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 STARSS
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 Education Contact Us 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. Anytime Advisor

 

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