Financial Literacy Program | KCFCU | Kapa'a, HI - Lihue, HI - Waimea, HI

Financial Literacy


http://www.kcfcu.org/bankbus

Free Classroom Presentations

We offer FREE financial education sessions designed to educate students on the basics of financial success. These structured presentations last 50 minutes each. The following FREE sessions are available to middle-school students:

  • Smart Saving
  • Budgeting Basics
  • Cost of Cool

The following FREE sessions are available for high school and college students:

  • Check It Out
  • Give Me Some Credit
  • Your Choice Money Management
  • Get Connected

KCFCU will also develop customized sessions upon request. For more information or to schedule a session, please call Taylor Shigemoto at 245-6791.

Scholarships

Higher Education Scholarships

At KCFCU we strongly endorse the pursuit of higher education. This is why we now offer five $2,000 scholarships to graduating high school seniors. All graduating high school seniors accepted and planning to enroll full time in any two or four-year institution of higher learning are eligible. Recipients must be enrolled as full time students, be members in good standing of the credit union and be willing to have their picture published. The scholarship will be paid directly to the school of the student's choice for educational expenses such as tuition, books, fees, supplies, room and board.

Get more information on KCFCU Scholarships or contact Terri Kaniho at (808) 245-6791, ext. 227.

The KCFCU Scholarship Application is now closed for the 2016-2017 school year. Please check back in January of 2018 to apply.


Descriptions of Financial Literacy Seminars

KCFCU offers comprehensive financial products and services for all members as well as tailored programs for youth, including Building Blocks for ages 0-12, Smart Savers for ages 13-16 and Your Choice for ages 17-24. Materials on all of these services will be available at sessions.

Middle School

Smart Saving

This session shows kids the difference between a savings account and a piggy bank. We will discuss what dividends are and how they work, how to use an ATM card responsibly and the difference between a savings account and a checking account. Students will also learn the value of saving over time by determining how long it will take them to become a millionaire. Finally, students will learn what it takes to be a smart saver and receive tips for making the most of their allowance.

Budgeting Basics

It's never too early to learn the basics of budgeting. This interactive session teaches students about budgets and why they are important. Students will learn how to create a simple budget to help them save for a small purchase or accomplish long-term goals. In addition, we will look at examples of how small purchases everyday can add up and ways to avoid bad-spending habits.

Cost of Cool

This session will cover the importance of differentiating between wants and needs. We will look at the costs of brand-name clothes, games, cell phones, etc. and discuss alternatives. This session will discuss the power of advertising and how to look beyond it to become a savvy shopper. We will offer students tips for looking cool for less, buying games with their own money and how to prepare for high school, college and beyond!

High School & College

Check It Out

In this session, students will learn about the responsibilities and benefits that come with having a checking account. Students will learn how to properly write and endorse checks, as well as how to record transactions and balance a checkbook. This session will also introduce students to the Visa Check Card. Students will also learn about Travelers Checks and official checks.

Give Me Some Credit

This session will cover the basics of credit cards, including understandable interpretations of all that fine print. Students will learn about the dangers associated with credit cards and tips to avoid common mistakes. In addition, students will learn the difference between various types of cards and what to look for when comparing credit card options. We will review why it is important to establish good credit, define what a credit score is and offer tips on how to keep your credit in good standing. This session is a must for students heading off to college or entering the workforce.

Your Choice Money Management

In this session, students will learn how to create their own budget. We will provide tips on how to manage a budget successfully and more importantly, how to stay within a budget. This session will offer tips on how to save for the future and discuss why budgeting is essential for achieving financial goals. This session offers the foundation for financial independence and success.

Get Connected

This session is designed to introduce all components of convenience banking. Students will learn how to use an ATM to its full capacity, the advantages of using online banking (Home Banking - ebranch) and online bill payment services (Bill Payer), how to use the automated phone system (Accessline) and the advantages of direct deposit. We will walk through each of these FREE KCFCU services so you will never have to step foot into a branch again (unless you want to)!

Adult Education

Your First Home

This session is a must for first-time homebuyers or for those who want to learn more about purchasing a home. We'll give you all the tips and tools to help you work toward purchasing your dream home. In addition, we will explain the entire process of home buying and prepare you for Realtors, inspectors, and lawyers.

Auto Buying Tips

Whether you are buying a new or used vehicle from a dealer or an individual, this session is for you. Before purchasing your next car, be sure you know how to get the best possible deal. This session will offer insight into automotive terminology, warranties and financing options. We will prepare you to walk into a dealership with confidence and walk out with a great deal. In addition we will offer tips for buying used cars and what your options are when buying from an individual.

Expect the Unexpected

This session includes topics that are typically at the end of your priority list. However, they are some of the most important issues you will face in your lifetime. Let us help you prepare for these important and sometimes difficult stages in your life. This session will discuss the importance of wills and why they aren't just for the elderly. In addition, we will touch on Auto & Homeowners Insurance, Long-Term Care Insurance, Cancer Insurance, and LegalShield. And finally, we will discuss the growing threat of identity theft and offer suggestions on how to protect your identity.

ABCs of Investing

Have you thought about investing but don't know where to start? Are you unsure what the advantages and disadvantages are? This session teaches you the basics about investing and why people invest. KCFCU's Financial Advisor will explain the risks associated with investing and describe some basic investment options such as mutual funds, annuities, and IRAs. This session will provide you with a general understanding of investing so that you can make an educated decision on which options best suit your needs. In addition, you can meet our Financial Advisor and set up an appointment if you want to discuss your personal options in more detail.

Managing Debt

Are you living from paycheck to paycheck? Are you having trouble making ends meet and continuing to fall deeper into debt? This session will provide the real-life scenarios and advice on how to manage your debt more efficiently. We will provide tips and tools for creating your own budget, saving more and developing a plan to achieve your financial goals.

In-School Student Branches

For more information on Warrior Credit Union, click here.


For more information on Raider Credit Union, click here.

BankBus Programs

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