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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
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

November 2009
Start or Revitalize your Career Today!
Wherever you find yourself along your career path, this seminar is loaded with strategies to take your career to the next level. Put the date in your planner! Get started on the right path! Recharge your batteries to enhance and advance in your current career! Or, perhaps retool your skills and resume, to chart an even greater career course! Reserve your space today! Call 410-612-2361, or email workshopRSVP@apgfcu.com.

Tuesday, November 10, 2009
6:00 pm – 8:00 pm
321 S. Main Street, Bel Air, 2nd floor, APGFCU Home Loan Center (Behind the Bel Air Branch)

Save Money When You Save Energy
This FREE workshop, presented by BGE, focuses on easy & inexpensive energy conservation methods that could help save up to 20% on utility bills. We’ll discuss the 3 highest energy users in the home, equipment that uses “stand-by” energy, lighting, safety tips, and Energy Assistance programs.

Thursday, November 12, 2009
Workshop Canceled!

Discover Your Path to Financial Success
In this FREE conference, local experts will address the unique financial matters critically important to today’s woman and share the many FREE local resources available to help better manage money, work, and life. Seating is limited to the FIRST 100 APGFCU members who RSVP so, reserve your space TODAY! Reservations are required. Free refreshments and special gifts. Reserve your space today! Call 410-612-2361, or email workshopRSVP@apgfcu.com.

Saturday, November 14, 2009
8:00 am – 1:00 pm
Bayou Restaurant
927 Pulaski Highway, Havre de Grace, MD 21078

Do-It-Yourself Estate Planning (Encore presentation!)
In this FREE workshop, Kevin F. Bress, Estate Planning Attorney, will help you develop an estate plan, explain alternatives to a will, show you where to obtain needed documents such as advance directives and powers of attorney, and it will help you with planning for long-term care and funeral issues. Reserve your space today! Call 410-612-2361, or email workshopRSVP@apgfcu.com.

Monday, November 16, 2009
6:00 pm – 7:30 pm
321 S. Main Street, Bel Air, 2nd floor,APGFCU Home Loan Center (Behind the Bel Air Branch)

Follow Up:
Advnaced Directive Document (.pdf)
Legalzoom.com
Legalforms.com

 
For more helpful, FREE Online workshops visit BalanceTrack and Anytime Adviser.

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 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 Education Contact Us 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. Anytime Advisor

 

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