At DCCU we believe in the importance of providing FREE financial education to the communities we serve and we use a variety of training methods to educate the public on financial responsibility. Whether it’s preparing a budget, improving your credit score, or learning the steps in becoming a homeowner, our goal is to teach the financial skills that are necessary to carry people through the financial stages of life.
Free Financial Education Classes
DCCU's Financial Education team can provide FREE Financial Education classes for your organization. We teach a variety of topics and can customize our lesson plans to meet your specific needs. If you are interested in having us visit your organization, please email us at firstname.lastname@example.org, or call 540-946-3200 ext. 3149.
Here are examples of classes we teach:
Budgeting: Keeping Track of Your Money
This is a class that focuses on learning how to take control of your money by setting up a monthly budget and a spending plan. You will learn:
- How to prepare a monthly budget
- What is discretionary spending
- Why you should always P.Y.F. (Pay Yourself First)
- How to utilize your checking account to keep track of your expenses
- How online services can help you monitor your spending habits
DCCU Electronic Services: Keep Track of Your Finances While on the Go
We all wish we had more time in our day, but we only have 24-hours to get it all done. In an effort to save you time, DCCU offers a number of electronic services that allow you to do your banking on your on your own time, without leaving the comfort of your home.
In this class you will receive step-by-step instructions on how to make the most of our convenient eServices like:
- Online Banking
- Electronic Bill Payer
- Electronic statements
- Mobile Banking
- Remote Deposit Capture
Financial Aid: Funding an Education Using the Value Based Approach
There are three methods for funding a college education: Free Money – Scholarships, Grants, and Work Study programs; Cheap Money – Using Government loans; and Gap Money – Taking out Private Student loans.
In this workshop you will learn:
- What the Free Application for Federal Student Aid (FAFSA) is and what time of year you should complete it
- Tips on applying for scholarships
- What Stafford and Parent Plus loans are
- How to read a college award letter
- Options for funding gap money (i.e. what the free and cheap money doesn’t cover)
Fraud affects millions of people every year. Learn how to recognize it so you can protect yourself from it. By attending this class you will learn:
- What identity theft is and how to protect yourself from it
- How to recognize fraudulent scams and checks
- How to guard your computer from phishing and pharming
- How to protect yourself from credit card compromise
- Steps to take if you have been a victim of fraud
Which Mortgage is Right for You?
Buying a home is probably the largest purchase you will ever make, and perhaps the most complex. This class will help to answer the most commonly asked home buying questions and help you be more informed as you begin the mortgage process.
You will learn:
- How to choose the right mortgage lender
- The difference between a Fixed Rate Mortgage and Adjustable Rate Mortgage
- How to know which mortgage is best for you
- How your credit score factors into qualifying for a mortgage
- Where do you get expert advice about buying a home
Secrets to Your Credit Score
Credit Scores have become a pretty hot topic over the last several years. It is important that you know how credit works and why your credit score matters. Join us for an informational workshop that will teach you:
- The history of credit scores
- What your credit score can affect
- The Five Factors of credit scoring
- How to read a credit report
- How to dispute a credit report
- How to build/repair your credit
We know you are busy, and it can be difficult to find time in your hectic schedule to learn more about finances, so DCCU offers an alternative way of learning just for you. Each month, DCCU’s Financial Education team offers free webinars to the community. From the convenience of your home or workplace, you can log on to your computer and join us for informational webinars about various financial education topics.
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