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Financial Foundations

Why is financial education important?

Financial literacy isn’t about being able to understand complex balance sheets or becoming an expert in wealth management. It’s truly about learning how take on your everyday financial decisions responsibly — from learning how to effectively budget and manage your checking account to understanding how credit cards work and staying out of debt. No matter what your level of financial expertise is, there is always room to learn more and we're here to help.
 
We have partnered with Everfi to provide free financial education courses to give you the tools you need for financial success. 

Here are just a few of the things you can learn about using Everfi's Financial Foundations Courses:

• Creating a Budget.                                       • Building Emergency Savings

• Paying for College                                       • Credit Scores & Reports

• Car Loans.                                                     • Buying a Home

• Debt Management                                      • Credit Cards 

• Retirement Accounts.                                 • Certificates of Deposit (CDs)

• Paying for College.                                     • Investment Property

• Taxes: The Basics.                                       • Healthy Financial Habits

• Shopping for Insurance.                            • Developing a Business Plan

• Individual Retirement Accounts (IRAs)

This program is offered to all our customers, community members and bank employees at no cost whatsoever.

Here are just a few of the things you can learn about using Financial Foundations:

  • Checking and savings accounts, and building savings for the future
  • Payments—how they are processed and how to avoid overdrafts
  • Credit scores and reports and what they mean for you
  • Financing an education, new home, or car: How loans work
  • Credit cards help you pay for what you need today—What to know before you spend
  • Taxes, insurance, and other expenses to plan for
  • Retirement isn’t that far away. Saving now can have big returns later
  • Avoid being a victim of identity theft

These comprehensive classroom programs engage students through videos, games and social networking. Students who complete this free course will receive a certificate of completion and certificate to open a savings account. Students will learn:

  • How to establish checking and savings accounts to build for the future
  • How payments are processed and how to avoid overdrafts
  • How credit scores and reports affect your financial life
  • The many ways to financing an education, new home, or car
  • How to avoid being a victim of identity theft and other important financial skills and more.

Our financial education partner EVERFI offers free digital lessons for students K-12 through a family portal that will allow parents to receive direct access to self-paced lessons.

  • 100+ Interactive, Game-Based Lessons
  • Self-paced digital lessons equip your child with skills for life
  • Engaging online lessons, accessible anywhere
  • Easy access in both the classroom or at home
  • Built-in learning checks & games
  • Real-time feedback

An educational program designed specifically for the entrepreneur, giving them tools for financial understanding and success.

Here are some of the topics covered in the course:

  • How to identify and choose the best financing options for you
  • Developing effective business plans
  • Choosing financial products and services to help manage a small business
  • Learn about the types of Financial Statements and their uses

Need a little help improving your credit profile? Our Credit Builder Loan Program is designed to give those with poor or limited credit the opportunity to establish or re-establish credit while simultaneously building equity in a deposit account. 

As part of our commitment to helping you secure a solid financial future, we offer a series of online courses to help put you on the path to success through our Financial Foundation Program. These interactive online modules take about 10 minutes each to complete and are self-paced to allow for flexibility to your schedule. You will learn key financial concepts on managing your credit, obtaining loans and saving for the future. As an added benefit, you will receive a 5% interest rate reduction on your Credit Builder loan. Just contact your lender upon completion of the designated modules. 


To get started with our Credit Builder program, contact us using the link below.


Contact Us

 

If you've already spoken to a lender and are approved for the program, click here to start the curriculum. 

FDIC Consumer News provides practical guidance on how to become a smarter, safer user of financial services. You'll find articles with helpful hints, quick tips and common sense strategies to protect and stretch your hard-earned dollars. 


The FDIC Consumer Assistance link is another useful tool.