Financial Literacy

Chances are, you've had some experience with making money at this point in your life. Whether it's been earned through chores, babysitting, raking leaves, or working at your local grocery store, how you spend it - and SAVE it - is very important!

Follow these important strategies to see your money grow:

  • Start now. The sooner you begin saving, the quicker you can make your dreams come true.
  • Consistency is the key to building your savings. A good habit is to save at least 10% of everything you earn.
  • Don't put all your eggs in one basket. Think long term for your future goals--college, a car, a home--and short term for other expenses.
  • Look for a high rate of return. For instance, regular savings accounts pay lower interest than share certificates or certificates of deposit (CDs), but you can access your funds in your savings account anytime. CDs require a minimum balance and restrict withdrawals to certain periods of time in return for higher dividend rates.
  • Look for compounding interest, which means your earnings are reinvested. This is the key to building your fortune. The really big changes in your balance will occur in the later years--but only if you start early.

Visit these sites for tips on being smart with your money. You'll find information about:

  • Earning and borrowing Teens
  • Saving and budgeting
  • Spending and using checks

You'll also find out more about credit unions!


...for middle school

Youth finance

...for high school

studentchoice ...for college

Other Resources

Whether you're saving for your first car or planning for college, there are many sites that can help get you - and keep you - on the right track. Check out the resources below for advice on making your money work for YOU!

CUs Rock

Money Under 30


Area Schools

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