Below is a list of annual financial literacy events, topics and opportunities for consumers, credit unions and their members to promote and engage with throughout the year.
Visit MyCreditUnion.gov for the latest resources and consumer protection information when participating in any of the activities below.
Consumers can create conversations about money at home, teachers can include the following activities within their lesson plans, and credit unions can send information out to their members, and much more.
Share your financial literacy stories with us by sending an email to mycreditunion@ncua.gov. Submissions are voluntary and may be featured on MyCreditUnion.gov as an example of how consumers, credit unions and their members work to improve financial literacy and financial capability.
Time to take a closer look at your household budget and finances. Don’t think of budgeting and getting your finances in order as just another New Year’s resolution. Think of it as your plan to achieve freedom from financial concerns such as excessive debt, bad credit and no savings.
The holidays are over and the decorations are put away. Depending on your budget, you may have taken on some new debt. Don’t let your debt continue to accumulate. ’Tis the season to get your debt under control.
Did someone misuse your Social Security number to file for a tax refund or get a job? Did a stranger claim your child as a dependent? Has a caller claiming to be from the IRS demanded you wire money right away? Learn about tax-related identity theft and IRS imposter scams.
A component of America Saves and a partner in the Department of Defense’s Financial Readiness Campaign, Military Saves seeks to motivate, support, and encourage military families to save money, reduce debt, and build wealth.
In 1970, the National Credit Union Administration (NCUA) became an independent federal agency. Congress also created the National Credit Union Share Insurance Fund (NCUSIF) to protect deposits at credit unions.
In 2004, the U.S. Congress designated April as National Financial Literacy Month, also known as National Financial Capability Month. Each April, Federal and State agencies, credit unions, schools, nonprofit organizations, businesses, and other entities observe National Financial Literacy Month to raise awareness about the importance of financial literacy education in the United States and the consequences that may be associated with a lack of understanding about personal finances.
my Social Security is a convenient way to access your personal Social Security information, whether you’re still working or already receiving benefits. During National my Social Security Week, people are encouraged to access their free and secure personal online account at https://www.ssa.gov/myaccount/ (opens new window).
Students & Educators: Have a safe and happy spring break! Access our interactive learning tools for a fun activity while traveling or taking a break from the sun.
The goal of Financial Literacy Day on Capitol Hill goal is to introduce Capitol Hill and the general public to the strides Jump$tart Coalition (opens new window) and its partners have made in the financial literacy effort; to the most effective programs and resources available now; and to the diversity of organizations and individuals who are working together toward shared goals.
National Coin Week is a time for people to get to know about numismatics — the hobby and study of coins and paper money. Why? Because collecting coins can help you learn about science, history, and important people, places and events. Besides, lots of people find that collecting coins is just plain fun!
Older Americans Month shines a light on many important trends for older Americans who are working longer, trying new things, and engaging in their communities. Older adults are often the targets of financial scams. NCUA and other federal agencies have resources to help older adults fight back.
May is National Military Appreciation Month (NMAM), a time to recognize and celebrate the contributions of the courageous men and women who have served or are currently serving in the United States Armed Forces.
Happy National Teacher Appreciation Week! This week is a great opportunity to show teachers how much they mean to us! Also, remember that free educational resources from NCUA and other federal agencies (opens new window) are available for teachers to use in the classroom.
Hurricanes are among nature's most powerful and destructive phenomena. On average, 12 tropical storms, 6 of which become hurricanes form over the Atlantic Ocean, Caribbean Sea, or Gulf of Mexico during the hurricane season which runs from June 1 to November 30 each year.
Each year, an estimated 5 million older adults are abused, neglected, or exploited. Older Americans lose an estimated $2.6 billion or more annually due to elder financial abuse and exploitation, funds that could be used to pay for basic needs such as housing, food, and medical care.
June 26 marks the 80th anniversary of the passage of the Federal Credit Union Act of 1934. Enacted during the depths of the Great Depression, the law enabled credit unions to be organized throughout the United States under charters approved by the federal government. The purpose of the federal law was to make credit available to Americans and promote thrift through a national system of nonprofit, cooperative credit unions.
A college education is an investment that pays off. However, investing in a college or a graduate school education is seldom inexpensive. Planning for these expenses has become increasingly important over the last decade, as college costs have increased at over twice the inflation rate.
Military Consumer is a joint initiative to empower active duty and retired servicemembers, military families, veterans and civilians in the military community. Use these free resources as the first line of defense against fraud and make better-informed decisions when managing your money.
Independence Day – Financial Independence
Activity
If you’re on a pathway to becoming financially independent, be sure you understand some key money management concepts.
Shopping Tax Holidays
Activity
Reminder: Does your state have a sales tax holiday? Check with your states tax office. It might save you money.
Your state may offer a sales tax holiday, so that you can buy qualifying school supplies, clothing, footwear, hurricane and emergency preparedness items, without paying sales tax.
Back to school season marks the winding down of vacations and the start of shopping for the new school year. Each year, consumers spend billions of dollars on things like family clothing and books.
Now is the perfect time to have family conversations about budgeting and responsible spending. It’s also a great time to find financial education resources to include in lesson plans for the new school year.
Between longer life expectancies and fewer employers offering traditional pension plans, it’s a good idea to take an active role in planning for retirement. You can talk with your local credit union about retirement savings vehicles, including IRAs and Roth IRAs. Here are some other things to consider.
We can all take action to prepare! We are all able to help first responders in our community by training how to respond during an emergency and what to do when disaster strikes — where we live, work, and visit. The goal of NPM is to increase the overall number of individuals, families, and communities that engage in preparedness actions at home, work, businesses, school, and places of worship.
Saving for Emergencies
Activity
A solid emergency fund is perhaps one of the most important tools in developing and sustaining financial security. It is recommended to save six months of living expenses because no matter how well things are going, or well you plan, bad things will happen from time to time.
You may have received flyers or emails from your employer reminding you to review your benefits. That’s because enrollment season is here, and choosing the right benefits can help you and your family achieve and maintain financial security.
National Cyber Security Awareness Month is an annual campaign to raise awareness about the importance of cybersecurity. The Internet touches almost all aspects of everyone’s daily life, whether we realize it or not. National Cyber Security Awareness Month (NCSAM) is designed to engage and educate public and private sector partners through events and initiatives to raise awareness about the importance of cybersecurity, provide them with tools and resources needed to stay safe online, and increase the resiliency of the Nation in the event of a cyber incident.
You may have received flyers or emails from your employer reminding you to review your benefits. That’s because enrollment season is here, and choosing the right benefits can help you and your family achieve and maintain financial security.
National Disability Employment Awareness Month celebrates the contributions of workers with disabilities and educates about the value of a diverse workforce inclusive of their skills and talents.
International Credit Union Day has been celebrated annually since 1948. The day recognizes the credit union system’s history and achievements with the goal of raising awareness about the work credit unions are doing around the world to provide affordable financial services through a not-for-profit cooperative business model.
Credit unions make a difference in the lives of millions of people worldwide. This is accomplished through the community-focused nature of credit unions and their not-for-profit operating structure. Find some examples of ways you can make a difference through your local credit union.
Military Family Month
Activity
Each year in November, communities around the world observe Military Family Month. It is a time to celebrate the contributions of military families and convey to them respect and appreciation for the sacrifices they make to support their service members.
On this Veterans Day, we salute our Veterans and extend our gratitude for their service. They are our relatives, friends, neighbors and co-workers, and the committed to a cause larger than their own by accepting the challenge to defend our nation.
There’s nothing quite like finding that perfect gift. From the purchase, to the unwrapping, to the look of happiness, gift giving is a wonderful way to show how much you appreciate the special people in your life.
However, gift giving shouldn’t be at the expense of your own financial well-being.
Avoiding holiday debt will mean a lot less stress in the New Year. Luckily, with a little planning and creativity, you can reduce the pressure of gift giving and keep your finances in check. You might even find that taking the focus away from gifts makes the holidays even more meaningful.
Intro Source: Military One Source
Content source: CFPB
Happy New Year!
Activity
Time to take a closer look at your household budget and finances. Don’t think of budgeting and getting your finances in order as just another New Year’s resolution. Think of it as your plan to achieve freedom from financial concerns such as excessive debt, bad credit and no savings.
The holidays are over and the decorations are put away. Depending on your budget, you may have taken on some new debt. Don’t let your debt continue to accumulate. ’Tis the season to get your debt under control.
Organized by the IRS, the Awareness Day campaign was created to help ensure millions of workers get the EITC they earned and get it right. The IRS invites community organizations, elected officials, state and local governments, schools, employers, and other interested parties to join a national grassroots effort to increase awareness of these credits. This will help potentially eligible taxpayers at the time most are filing or getting ready to file their federal income tax returns.
Did someone misuse your Social Security number to file for a tax refund or get a job? Did a stranger claim your child as a dependent? Has a caller claiming to be from the IRS demanded you wire money right away? Learn about tax-related identity theft and IRS imposter scams.
A component of America Saves and a partner in the Department of Defense’s Financial Readiness Campaign, Military Saves seeks to motivate, support, and encourage military families to save money, reduce debt, and build wealth.
In 1970, the National Credit Union Administration (NCUA) became an independent federal agency. Congress also created the National Credit Union Share Insurance Fund (NCUSIF) to protect deposits at credit unions.
National Financial Literacy Month/National Financial Capability Month
In 2004, the U.S. Congress designated April as National Financial Literacy Month, also known as National Financial Capability Month. Each April, Federal and State agencies, credit unions, schools, nonprofit organizations, businesses, and other entities observe National Financial Literacy Month to raise awareness about the importance of financial literacy education in the United States and the consequences that may be associated with a lack of understanding about personal finances.
Students & Educators: Have a safe and happy spring break! Access our interactive learning tools for a fun activity while traveling or taking a break from the sun.
National Coin Week is a time for people to get to know about numismatics — the hobby and study of coins and paper money. Why? Because collecting coins can help you learn about science, history, and important people, places and events. Besides, lots of people find that collecting coins is just plain fun!
May is National Military Appreciation Month (NMAM), a time to recognize and celebrate the contributions of the courageous men and women who have served or are currently serving in the United States Armed Forces.
Older Americans Month shines a light on many important trends for older Americans who are working longer, trying new things, and engaging in their communities. Older adults are often the targets of financial scams. NCUA and other federal agencies have resources to help older adults fight back.
Hurricanes are among nature's most powerful and destructive phenomena. On average, 12 tropical storms, 6 of which become hurricanes form over the Atlantic Ocean, Caribbean Sea, or Gulf of Mexico during the hurricane season which runs from June 1 to November 30 each year.
Happy National Teacher Appreciation Week! This week is a great opportunity to show teachers how much they mean to us! Also, remember that free educational resources from NCUA and other federal agencies (opens new window) are available for teachers to use in the classroom.
Each year, an estimated 5 million older adults are abused, neglected, or exploited. Older Americans lose an estimated $2.6 billion or more annually due to elder financial abuse and exploitation, funds that could be used to pay for basic needs such as housing, food, and medical care.
The goal of Financial Literacy Day on Capitol Hill goal is to introduce Capitol Hill and the general public to the strides Jump$tart Coalition (opens new window) and its partners have made in the financial literacy effort; to the most effective programs and resources available now; and to the diversity of organizations and individuals who are working together toward shared goals.
June 26 marks the 85th anniversary of the passage of the Federal Credit Union Act of 1934. Enacted during the depths of the Great Depression, the law enabled credit unions to be organized throughout the United States under charters approved by the federal government. The purpose of the federal law was to make credit available to Americans and promote thrift through a national system of nonprofit, cooperative credit unions.
A college education is an investment that pays off. However, investing in a college or a graduate school education is seldom inexpensive. Planning for these expenses has become increasingly important over the last decade, as college costs have increased at over twice the inflation rate.
Military Consumer is a joint initiative to empower active duty and retired servicemembers, military families, veterans and civilians in the military community. Use these free resources as the first line of defense against fraud and make better-informed decisions when managing your money.
Back to school season marks the winding down of vacations and the start of shopping for the new school year. Each year, consumers spend billions of dollars on things like family clothing and books.
Now is the perfect time to have family conversations about budgeting and responsible spending. It’s also a great time to find financial education resources to include in lesson plans for the new school year.
Reminder: Does your state have a sales tax holiday? Check with your states tax office. It might save you money.
Your state may offer a sales tax holiday, so that you can buy qualifying school supplies, clothing, footwear, hurricane and emergency preparedness items, without paying sales tax.
Start planning and saving for college expenses as early as possible. A good option is arranging for an automatic transfer of money from your financial institution account or paycheck into a college savings fund. Online calculators (opens new window) can help you estimate how much you might need to save for college.
Between longer life expectancies and fewer employers offering traditional pension plans, it’s a good idea to take an active role in planning for retirement. You can talk with your local credit union about retirement savings vehicles, including IRAs and Roth IRAs. Here are some other things to consider.
Did you know that by learning how to respond during an emergency, whether it is where you live, work, or visit, you are also helping first responders? The goal of National Preparedness Month is to increase the overall number of individuals, families, and communities that engage in preparedness actions at home, work, businesses, school, and places of worship.
Saving for Emergencies
Activity
A solid emergency fund is perhaps one of the most important tools in developing and sustaining financial security. It is recommended to save six months of living expenses because no matter how well things are going, or well you plan, bad things will happen from time to time.
National Disability Employment Awareness Month celebrates the contributions of workers with disabilities and educates about the value of a diverse workforce inclusive of their skills and talents.
National Cybersecurity Awareness Month is a collaborative effort between government and industry to raise awareness about the importance of cybersecurity and to ensure that all Americans have the resources they need to be safer and more secure online. The Internet touches almost all aspects of everyone’s daily life, whether we realize it or not. National Cybersecurity Awareness Month (NCSAM) is designed to engage and educate public and private sector partners through events and initiatives to raise awareness about the importance of cybersecurity, provide them with tools and resources needed to stay safe online, and increase the resiliency of the Nation in the event of a cyber incident.
International Credit Union Day has been celebrated annually since 1948. The day recognizes the credit union system’s history and achievements with the goal of raising awareness about the work credit unions are doing around the world to provide affordable financial services through a not-for-profit cooperative business model.
Credit unions make a difference in the lives of millions of people worldwide. This is accomplished through the community-focused nature of credit unions and their not-for-profit operating structure. Find some examples of ways you can make a difference through your local credit union.
Military Family Month
Activity
Each year in November, communities around the world observe Military Family Month. It is a time to celebrate the contributions of military families and convey to them respect and appreciation for the sacrifices they make to support their service members.
On this Veterans Day, we salute our Veterans and extend our gratitude for their service. They are our relatives, friends, neighbors and co-workers, and the committed to a cause larger than their own by accepting the challenge to defend our nation.
There’s nothing quite like finding that perfect gift. From the purchase, to the unwrapping, to the look of happiness, gift giving is a wonderful way to show how much you appreciate the special people in your life.
However, gift giving shouldn’t be at the expense of your own financial well-being.
Avoiding holiday debt will mean a lot less stress in the New Year. Luckily, with a little planning and creativity, you can reduce the pressure of gift giving and keep your finances in check. You might even find that taking the focus away from gifts makes the holidays even more meaningful.
Time to take a closer look at your household budget and finances. Don’t think of budgeting and getting your finances in order as just another New Year’s resolution. Think of it as your plan to achieve freedom from financial concerns such as excessive debt, bad credit and no savings.
The holidays are over and the decorations are put away. Depending on your budget, you may have taken on some new debt. Don’t let your debt continue to accumulate. ’Tis the season to get your debt under control.
Organized by the IRS, the Awareness Day campaign was created to help ensure millions of workers get the EITC they earned and get it right. The IRS invites community organizations, elected officials, state and local governments, schools, employers, and other interested parties to join a national grassroots effort to increase awareness of these credits. This will help potentially eligible taxpayers at the time most are filing or getting ready to file their federal income tax returns.
Tax Identity Theft Awareness Week
Activity
Did someone misuse your Social Security number to file for a tax refund or get a job? Did a stranger claim your child as a dependent? Has a caller claiming to be from the IRS demanded you wire money right away? Learn about tax-related identity theft and IRS imposter scams.
In 1970, the National Credit Union Administration (NCUA) became an independent federal agency. Congress also created the National Credit Union Share Insurance Fund (NCUSIF) to protect deposits at credit unions.
In 2004, the U.S. Congress designated April as National Financial Literacy Month, also known as National Financial Capability Month. Each April, Federal and State agencies, credit unions, schools, nonprofit organizations, businesses, and other entities observe National Financial Literacy Month to raise awareness about the importance of financial literacy education in the United States and the consequences that may be associated with a lack of understanding about personal finances.
A component of America Saves and a partner in the Department of Defense’s Financial Readiness Campaign, Military America Saves seeks to motivate, support, and encourage military families to save money, reduce debt, and build wealth.
Spring Break Activities
Activity
Students & Educators: Have a safe and happy spring break! Access our interactive learning tools for a fun activity while traveling or taking a break from the sun.
Do you know the warning signs that an identity thief is using your Social Security number?
Tax identity thieves may use your Social Security number to get a tax refund or a job. If the IRS (opens new window) if sends you a notice saying their records show:
You were paid by an employer you don’t know, or
More than one tax return was filed using your Social Security number, contact the IRS Identity Protection Specialized Unit at 1.800.908.4490.
National Coin Week is a time for people to get to know about numismatics — the hobby and study of coins and paper money. Why? Because collecting coins can help you learn about science, history, and important people, places and events. Besides, lots of people find that collecting coins is just plain fun!
Older Americans Month shines a light on many important trends for older Americans who are working longer, trying new things, and engaging in their communities. Older adults are often the targets of financial scams. NCUA and other federal agencies have resources to help older adults fight back.
May is National Military Appreciation Month (NMAM), a time to recognize and celebrate the contributions of the courageous men and women who have served or are currently serving in the United States Armed Forces.
Small Business Week recognizes the critical contributions of America’s entrepreneurs and small business owners.
NCUA educational resources are available to help small business owners and entrepreneurs help improve the financial literacy of their workforce. NCUA Financial Literacy Tools and Resources
Hurricanes are among nature's most powerful and destructive phenomena. On average, 12 tropical storms, 6 of which become hurricanes form over the Atlantic Ocean, Caribbean Sea, or Gulf of Mexico during the hurricane season, which runs from June 1 to November 30 each year.
Happy National Teacher Appreciation Week! This week is a great opportunity to show teachers how much they mean to us! Also, remember that free educational resources from NCUA and other federal agencies (opens new window) are available for teachers to use in the classroom.
Each year, an estimated 5 million older adults are abused, neglected, or exploited. Older Americans lose an estimated $2.6 billion or more annually due to elder financial abuse and exploitation, funds that could be used to pay for basic needs such as housing, food, and medical care.
June 26 marks the anniversary of the passage of the Federal Credit Union Act of 1934. Enacted during the depths of the Great Depression, the law enabled credit unions to be organized throughout the United States under charters approved by the federal government. The purpose of the federal law was to make credit available to Americans and promote thrift through a national system of nonprofit, cooperative credit unions.
A college education is an investment that pays off. However, investing in a college or a graduate school education is seldom inexpensive. Planning for these expenses has become increasingly important over the last decade, as college costs have increased at over twice the inflation rate.
Military Consumer is a joint initiative to empower active duty and retired servicemembers, military families, veterans and civilians in the military community. Use these free resources as the first line of defense against fraud and make better-informed decisions when managing your money.
Independence Day – Financial Independence
Event
If you’re on a pathway to becoming financially independent, be sure you understand some key money management concepts.
Back to school season marks the winding down of vacations and the start of shopping for the new school year. Each year, consumers spend billions of dollars on things like family clothing and books.
Now is the perfect time to have family conversations about budgeting and responsible spending. It’s also a great time to find financial education resources to include in lesson plans for the new school year.
Reminder: Does your state have a sales tax holiday? Check with your states tax office. It might save you money.
Your state may offer a sales tax holiday, so that you can buy qualifying school supplies, clothing, footwear, hurricane and emergency preparedness items, without paying sales tax.
Between longer life expectancies and fewer employers offering traditional pension plans, it’s a good idea to take an active role in planning for retirement. You can talk with your local credit union about retirement savings vehicles, including IRAs and Roth IRAs. Here are some other things to consider.
We can all take action to prepare! We are all able to help first responders in our community by training how to respond during an emergency and what to do when disaster strikes — where we live, work, and visit. The goal of NPM is to increase the overall number of individuals, families, and communities that engage in preparedness actions at home, work, businesses, school, and places of worship. Learn more at Ready.gov - National Preparedness Month (opens new window).
A solid emergency fund is perhaps one of the most important tools in developing and sustaining financial security. It is recommended to save six months of living expenses because no matter how well things are going, or well you plan, bad things will happen from time to time.
You may have received flyers or emails from your employer reminding you to review your benefits. That’s because enrollment season is here, and choosing the right benefits can help you and your family achieve and maintain financial security.
National Disability Employment Awareness Month celebrates the contributions of workers with disabilities and educates about the value of a diverse workforce inclusive of their skills and talents. Learn more at National Disability Employment Awareness Month (opens new window).
International Credit Union Day has been celebrated annually since 1948. The day recognizes the credit union system’s history and achievements with the goal of raising awareness about the work credit unions are doing around the world to provide affordable financial services through a not-for-profit cooperative business model.
Credit unions make a difference in the lives of millions of people worldwide. This is accomplished through the community-focused nature of credit unions and their not-for-profit operating structure. Find some examples of ways you can make a difference through your local credit union.
Military Family Month
Activity
Each year in November, communities around the world observe Military Family Month. It is a time to celebrate the contributions of military families and convey to them respect and appreciation for the sacrifices they make to support their service members.
On this Veterans Day, we salute our Veterans and extend our gratitude for their service. They are our relatives, friends, neighbors and co-workers, and the committed to a cause larger than their own by accepting the challenge to defend our nation.
Women’s Entrepreneurship Day
Event
Women have made great strides in business. To the women in leadership roles, we commend you. Help support your local female-run businesses this weekend.
There’s nothing quite like finding that perfect gift. From the purchase, to the unwrapping, to the look of happiness, gift giving is a wonderful way to show how much you appreciate the special people in your life.
However, gift giving shouldn’t be at the expense of your own financial well-being.
Avoiding holiday debt will mean a lot less stress in the New Year. Luckily, with a little planning and creativity, you can reduce the pressure of gift giving and keep your finances in check. You might even find that taking the focus away from gifts makes the holidays even more meaningful.
There’s nothing quite like finding that perfect gift. From the purchase, to the unwrapping, to the look of happiness, gift giving is a wonderful way to show how much you appreciate the special people in your life.
However, gift giving shouldn’t be at the expense of your own financial well-being.
Avoiding holiday debt will mean a lot less stress in the New Year. Luckily, with a little planning and creativity, you can reduce the pressure of gift giving and keep your finances in check. You might even find that taking the focus away from gifts makes the holidays even more meaningful.
Dreaming of starting your own business? Now is a perfect time to fulfill those dreams and start something incredible for the new year.
Happy New Year!
Activity
Time to take a closer look at your household budget and finances. Don’t think of budgeting and getting your finances in order as just another New Year’s resolution. Think of it as your plan to achieve freedom from financial concerns such as excessive debt, bad credit and no savings.
The holidays are over and the decorations are put away. Depending on your budget, you may have taken on some new debt. Don’t let your debt continue to accumulate. ’Tis the season to get your debt under control.
Organized by the IRS, the Awareness Day campaign was created to help ensure millions of workers get the EITC they earned and get it right. The IRS invites community organizations, elected officials, state and local governments, schools, employers, and other interested parties to join a national grassroots effort to increase awareness of these credits. This will help potentially eligible taxpayers at the time most are filing or getting ready to file their federal income tax returns.
Tax Identity Theft Awareness Week
Activity
Did someone misuse your Social Security number to file for a tax refund or get a job? Did a stranger claim your child as a dependent? Has a caller claiming to be from the IRS demanded you wire money right away? Learn about tax-related identity theft and IRS imposter scams.
Did someone misuse your Social Security number to file for a tax refund or get a job? Did a stranger claim your child as a dependent? Has a caller claiming to be from the IRS demanded you wire money right away? Learn about tax-related identity theft and IRS imposter scams.
In 1970, the National Credit Union Administration (NCUA) became an independent federal agency. Congress also created the National Credit Union Share Insurance Fund (NCUSIF) to protect deposits at credit unions.
Spring Break Activities
Activity
Students & Educators: Have a safe and happy spring break! Access our interactive learning tools for a fun activity while traveling or taking a break from the sun.
In 2004, the U.S. Congress designated April as National Financial Literacy Month, also known as National Financial Capability Month. Each April, Federal and State agencies, credit unions, schools, nonprofit organizations, businesses, and other entities observe National Financial Literacy Month to raise awareness about the importance of financial literacy education in the United States and the consequences that may be associated with a lack of understanding about personal finances.
Military Saves, a component of America Saves, and a participant in the Department of Defense Financial Readiness Network seeks to motivate, support, and encourage the entire military community to save money, reduce debt, and build wealth.
my Social Security is a convenient way to access your personal Social Security information, whether you’re still working or already receiving benefits. During National Social Security Month, people are encouraged to access their free and secure personal online account at https://www.ssa.gov/myaccount/ (opens new window).
National Coin Week is a time for people to get to know about numismatics — the hobby and study of coins and paper money. Why? Because collecting coins can help you learn about science, history, and important people, places and events. Besides, lots of people find that collecting coins is just plain fun!
Older Americans Month shines a light on many important trends for older Americans who are working longer, trying new things, and engaging in their communities. Older adults are often the targets of financial scams. NCUA and other federal agencies have resources to help older adults fight back.
May is National Military Appreciation Month (NMAM), a time to recognize and celebrate the contributions of the courageous men and women who have served or are currently serving in the United States Armed Forces.
Happy National Teacher Appreciation Week! This week is a great opportunity to show teachers how much they mean to us! Also, remember that free educational resources from NCUA and other federal agencies (opens new window) are available for teachers to use in the classroom.
Hurricanes are among nature's most powerful and destructive phenomena. On average, 12 tropical storms, 6 of which become hurricanes form over the Atlantic Ocean, Caribbean Sea, or Gulf of Mexico during the hurricane season which runs from June 1 to November 30 each year.
National Homeownership Month is a time to recognize the importance of homeownership and its impact upon the lives of American families, local neighborhoods, and the national economy.
Young people receiving their first paycheck is the perfect opportunity to learn about money management. This teachable moment can include personal finance concepts such as automatic saving, budgeting and avoiding money mistakes. During the summer months, millions of young people may be starting a job for the first time. Now is the time to find a local credit union and ask if they offer accounts designed with features for young people. Some of these features include, but are not limited to, no minimum or starting balance, zero or low monthly fees, free access to online/mobile banking, and free and unrestricted use of in-network Automated Teller Machines (ATMs).
World Elder Abuse Awareness Day provides an opportunity for communities around the world to promote a better understanding of abuse and neglect of older persons by raising awareness of the cultural, social, economic, and demographic processes affecting elder abuse and neglect. Elder financial abuse and exploitation is a problem that on the rise nationwide. Estimates of annual losses to older adults have ranged from $2 billion to $36 billion.
June 26 marks the anniversary of the passage of the Federal Credit Union Act of 1934. Enacted during the depths of the Great Depression, the law enabled credit unions to be organized throughout the United States under charters approved by the federal government. The purpose of the federal law was to make credit available to Americans and promote thrift through a national system of nonprofit, cooperative credit unions.
Military Consumer is a joint initiative to empower active duty and retired servicemembers, military families, veterans, and civilians in the military community. Use these free resources as the first line of defense against fraud and make better-informed decisions when managing your money.
A college education is an investment that pays off. However, investing in a college or a graduate school education is not inexpensive. Planning for these expenses has become increasingly important, as college costs have increased. It’s important to become familiar with all your college funding options before making major decisions. Especially if you are borrowing money. Be sure to know before you owe.
Advance Child Tax Credit Payments are early payments issued from the IRS that total 50% of the estimated amount of the Child Tax Credit that eligible taxpayers may properly claim on their 2021 tax return. This credit only applies to the 2022 tax filing season. The Child Tax Credit was increased from $2000 to up to $3600 as part of the stimulus relief package. The amount of advance tax payments is $300 per child for children aged five and under and $250 for children aged 6 to 17. If a child turns 18 before the end of 2021, then taxpayers will not receive advance Child Tax Credit payments. There are six total advance child tax credit payments starting July 15, 2021. These payments will be issued direct deposit by the IRS.
The Americans with Disabilities Act (ADA) is a Federal law that was signed on July 26, 1990. The ADA is one of America's most comprehensive pieces of civil rights legislation that prohibits discrimination and guarantees that people with disabilities have the same opportunities as everyone else to participate in the mainstream of American life -- to enjoy employment opportunities, to purchase goods and services, and to participate in State and local government programs and services.
Back to school season marks the winding down of vacations and the start of shopping for the new school year. Each year, consumers spend billions of dollars on things like family clothing and books.
Now is the perfect time to have family conversations about budgeting and responsible spending. It’s also a great time to find financial education resources to include in lesson plans for the new school year.
Reminder: Does your state have a sales tax holiday? Check with your states tax office. It might save you money.
Your state may offer a sales tax holiday, so that you can buy qualifying school supplies, clothing, footwear, hurricane, and emergency preparedness items, without paying sales tax.
Advance Child Tax Credit Payments are early payments issued from the IRS that total 50% of the estimated amount of the Child Tax Credit that eligible taxpayers may properly claim on their 2021 tax return. This credit only applies to the 2022 tax filing season. The Child Tax Credit was increased from $2000 to up to $3600 as part of the stimulus relief package. The amount of advance tax payments is $300 per child for children aged five and under and $250 for children aged 6 to 17. If a child turns 18 before the end of 2021, then taxpayers will not receive advance Child Tax Credit payments. There are six total advance child tax credit payments starting July 15, 2021. These payments will be issued direct deposit by the IRS.
We can all take action to prepare! We are all able to help first responders in our community by training how to respond during an emergency and what to do when disaster strikes — where we live, work, and visit. The goal of National Preparedness Month is to increase the overall number of individuals, families, and communities that engage in preparedness actions at home, work, businesses, school, and places of worship. Learn more at Ready.gov - National Preparedness Month (opens new window).
Financial Resilience and Saving for Emergencies
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A solid emergency fund is perhaps one of the most important tools in developing and sustaining financial security. It is recommended to save six months of living expenses because no matter how well things are going, or well you plan, bad things will happen from time to time. Learn more at Planning for the Unexpected.
Between longer life expectancies and fewer employers offering traditional pension plans, it’s a good idea to take an active role in planning for retirement. You can talk with your local credit union about retirement savings options, including IRAs and Roth IRAs.
Labor Day, the first Monday in September, is a creation of the labor movement and is dedicated to the social and economic achievements of American workers. It constitutes a yearly national tribute to the contributions workers have made to the strength, prosperity, and well-being of our country.
Advance Child Tax Credit Payments
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Advance Child Tax Credit Payments are early payments issued from the IRS that total 50% of the estimated amount of the Child Tax Credit that eligible taxpayers may properly claim on their 2021 tax return. This credit only applies to the 2022 tax filing season. The Child Tax Credit was increased from $2000 to up to $3600 as part of the stimulus relief package. The amount of advance tax payments is $300 per child for children aged five and under and $250 for children aged 6 to 17. If a child turns 18 before the end of 2021, then taxpayers will not receive advance Child Tax Credit payments. There are six total advance child tax credit payments starting July 15, 2021. These payments will be issued direct deposit by the IRS.
The National MED Week observance honors the outstanding achievements and leadership of minority-owned firms, organizations, and advocates from across the Nation. The week is held in September or October and is sponsored by the U.S. Department of Commerce, Minority Business Development Agency (MBDA). MBDA is the only federal agency solely dedicated to fostering the growth and global competitiveness of U.S. minority business enterprises. MBDA programs are focused on economic empowerment and leading minority business enterprises through business transformation.
The Fair Debt Collection Practices Act (FDCPA) is a Federal law that provides limitations on what debt collectors can do when collecting certain types of debt. Its purpose is to ensure ethical practices in the collection of consumer debts and prohibits the use of abusive, unfair or deceptive practices. It also provides consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information's accuracy.
National Disability Employment Awareness Month celebrates the contributions of workers with disabilities and educates about the value of a diverse workforce inclusive of their skills and talents. Learn more at National Disability Employment Awareness Month (opens new window).
National Cybersecurity Awareness Month (NCSAM) raises awareness about the importance of cybersecurity across our Nation, ensuring that all Americans have the resources they need to be safer and more secure online. Learn more at National Cyber Security Awareness Month (opens new window).
Advance Child Tax Credit Payments are early payments issued from the IRS that total 50% of the estimated amount of the Child Tax Credit that eligible taxpayers may properly claim on their 2021 tax return. This credit only applies to the 2022 tax filing season. The Child Tax Credit was increased from $2000 to up to $3600 as part of the stimulus relief package. The amount of advance tax payments is $300 per child for children aged five and under and $250 for children aged 6 to 17. If a child turns 18 before the end of 2021, then taxpayers will not receive advance Child Tax Credit payments. There are six total advance child tax credit payments starting July 15, 2021. These payments will be issued direct deposit by the IRS.
International Credit Union Day has been celebrated annually since 1948. The day recognizes the credit union system’s history and achievements with the goal of raising awareness about the work credit unions are doing around the world to provide affordable financial services through a not-for-profit cooperative business model.
Credit unions make a difference in the lives of millions of people worldwide. This is accomplished through the community-focused nature of credit unions and their not-for-profit operating structure. Find some examples of ways you can make a difference through your local credit union.
The federal Fair Credit Reporting Act (FCRA) is a Federal law that gives consumers the right to see their credit records and correct any mistakes. The FCRA regulates consumer credit reporting and related industries to ensure that consumer information is reported in an accurate, timely, and complete manner. FCRA was amended to address the sharing of consumer information with affiliates.
Originally enacted on October 26, 1970.
Equal Credit Opportunity Act (ECOA) Anniversary
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The Equal Credit Opportunity Act (ECOA) is a Federal law that prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, or because an applicant receives income from a public assistance program.
Celebrated every November, National Family Caregivers Month (NFCM) is a time to recognize and honor family caregivers across the country. It offers an opportunity to raise awareness of caregiving issues, educate communities, and increase support for caregivers.
National Entrepreneurship Month is a time to celebrate America's innovators, support small businesses, and empower entrepreneurs to turn their visions into reality.
November is a time, by tradition, for family celebrations. It is also a month that we set aside time to honor the military family - a time to recognize their sacrifices and celebrate their successes. During Military Family Month, we thank military families for the tremendous contribution they make in support of our service members, the military mission and the nation. Military life imposes unique demands on them, and during these difficult times, they have exhibited exceptional sacrifice, resiliency and courage.
Electronic Fund Transfer Act (EFTA) Anniversary
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The Electronic Fund Transfer Act (EFTA) is a Federal law intended to protect individual consumers engaging in electronic fund transfers.
On this Veterans Day, we salute our Veterans and extend our gratitude for their service. They are our relatives, friends, neighbors and co-workers, and the committed to a cause larger than their own by accepting the challenge to defend our nation.
Advance Child Tax Credit Payments
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Advance Child Tax Credit Payments are early payments issued from the IRS that total 50% of the estimated amount of the Child Tax Credit that eligible taxpayers may properly claim on their 2021 tax return. This credit only applies to the 2022 tax filing season. The Child Tax Credit was increased from $2000 to up to $3600 as part of the stimulus relief package. The amount of advance tax payments is $300 per child for children aged five and under and $250 for children aged 6 to 17. If a child turns 18 before the end of 2021, then taxpayers will not receive advance Child Tax Credit payments. There are six total advance child tax credit payments starting July 15, 2021. These payments will be issued direct deposit by the IRS.
American Education Week is an opportunity to celebrate public education, to inform the community of the accomplishments and needs of public schools, to secure cooperation and support from the public, and to honor individuals who are making a difference in ensuring that every child receives a quality education.
There’s nothing quite like finding that perfect gift. From the purchase, to the unwrapping, to the look of happiness, gift giving is a wonderful way to show how much you appreciate the special people in your life.
However, gift giving shouldn’t be at the expense of your own financial well-being.
Avoiding holiday debt will mean a lot less stress in the New Year. Luckily, with a little planning and creativity, you can reduce the pressure of gift giving and keep your finances in check. You might even find that taking the focus away from gifts makes the holidays even more meaningful.
You may have received flyers or emails from your employer reminding you to review your benefits. That’s because enrollment season is here and choosing the right benefits can help you and your family achieve and maintain financial security.
There’s nothing quite like finding that perfect gift. From the purchase, to the unwrapping, to the look of happiness, gift giving is a wonderful way to show how much you appreciate the special people in your life.
However, gift giving shouldn’t be at the expense of your own financial well-being.
Avoiding holiday debt will mean a lot less stress in the New Year. Luckily, with a little planning and creativity, you can reduce the pressure of gift giving and keep your finances in check. You might even find that taking the focus away from gifts makes the holidays even more meaningful.
You may have received flyers or emails from your employer reminding you to review your benefits. That’s because enrollment season is here and choosing the right benefits can help you and your family achieve and maintain financial security.
Fair and Accurate Credit Transactions Act of 2003 (FACTA) Anniversary
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The Fair and Accurate Credit Transactions Act (FACTA) is a Federal law to help consumers protect their credit identities and recover from identity theft. One of the key provisions of FACTA is consumers can request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies (Equifax, Experian, and TransUnion). www.AnnualCreditReport.com (opens new window) provides consumers with the secure means to request a free credit report.
Originally enacted on December 4, 2003.
Advance Child Tax Credit Payments
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Advance Child Tax Credit Payments are early payments issued from the IRS that total 50% of the estimated amount of the Child Tax Credit that eligible taxpayers may properly claim on their 2021 tax return. This credit only applies to the 2022 tax filing season. The Child Tax Credit was increased from $2000 to up to $3600 as part of the stimulus relief package. The amount of advance tax payments is $300 per child for children aged five and under and $250 for children aged 6 to 17. If a child turns 18 before the end of 2021, then taxpayers will not receive advance Child Tax Credit payments. There are six total advance child tax credit payments starting July 15, 2021. These payments will be issued direct deposit by the IRS.
The Servicemembers Civil Relief Act (SCRA) is a Federal law designed to ease financial burdens on servicemembers and their dependents during periods of military service. It provides protections for military servicemembers as they enter active duty as to financial transactions entered into before the start of active duty.
The Truth in Savings Act (TISA) is a Federal law that intends to help consumers make informed decisions about accounts at depository institutions. TISA requires depository institutions to provide disclosures so that consumers can make meaningful comparisons (comparison shop) among depository institutions. The disclosure requirements help inform consumers about the fees, annual percentage yield, interest rate, and other terms for deposit accounts. Generally, disclosures occur when an account is opened, upon request, when account terms are changed, when periodic statements are required, and when term share accounts (Share Certificates/Certificates of Deposit) mature.
Originally enacted on December 19, 1991.
Real Estate Settlement Procedures Act (RESPA) Anniversary
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The Real Estate Settlement Procedures Act (RESPA) is a Federal law that, among other things, requires lenders to provide "good faith" estimates of settlement costs and make other disclosures regarding the mortgage loan. The Act also limits the amount of funds held in escrow for real estate taxes and insurance.
Originally enacted on December 22, 1974.
Happy New Year!
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Time to take a closer look at your household budget and finances. Don’t think of budgeting and getting your finances in order as just another New Year’s resolution. Think of it as your plan to achieve freedom from financial concerns such as excessive debt, bad credit and no savings.
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