Budget Counseling

Financial Resource Center

Financial Peace University

Teen Financial Education


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Budget Counseling

Kim Welch
Education & Development Director
(765) 993-3069

A FREE service offered to members and non-members alike is budget counseling and other financial related counseling opportunities. Topics for discussion with Kim Welch can be anything related to money management, checking account management, obtaining credit, repairing bad credit, buying a new home, financing a mortgage, and literally so much more!

Kim Welch has worked in credit unions for 21 years and has been with PCCU for 17 years. Her experience in the lending department with PCCU for over 12 years has given her and inside advtange to helping you through your special credit situation. She helped several hundred people become more financially informed, stable, and secure in 2008 through individual counseling sessions as well as coordinating several Financial Peace University classes this past year

Kim will be attending Dave Ramsey's Personal Financial Counseling school in 2009 to continue her education and get more insight into helping others through difficult financial times.

To learn more about this option please talk to Kim Welch, Education Director, at 765-993-3069 or kwelch@pccu.com

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PCCU's Financial Resource Center

Another free service to members and non-members, the Financial Resource center is open 24/7/365 online to help you learn more about money and take control of your finances.

At PCCU's Financial Resource Center you'll find videos, articles, and even podcasts devoted to helping you take control of your financial life. From podcasts about finding the best auto loan to starting your own business; or with articles as diverse as teaching your kids about money to the question of how much you should have withheld for taxes; and videos about understanding your credit score or even just worrying about money; you're certain to find some useful advice.

No matter where your money interests lie, we've got something for just about everyone. Check it out today, and share it freely with anyone who could use a hand getting control of their financial future. It's a service that PCCU is proud to invest in to help it's members and those living in the communities we serve help themselves.

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Financial Peace University

As you are well aware, much emphasis has been put on financial education for the communities we live in as we see more and more business cut-backs, closings, and bankruptcies at an all time high. The program we use to teach better financial habits and money management is a 13 week program called Financial Peace University

FPU is a life-changing program that teaches you how to make the right decisions with your money. You'll be empowered with the practical skills and confidence needed to achieve your financial goals and experience true financial peace! Each of the 13 Lessons deals with a different topic that will change the way you think about personal finance.

Dave teaches about how to save money, live on a budget,communicate about money, eliminate debt, find bargains, and experience the joy of giving.

This program is facilitated by pre-recorded dvd's of Dave Ramsey teaching to a live audience. An FPU kit is required to be purchased before classes start. We will work with you to make payments on a kit. Once a kit is purchased, you, your spouse and children are able to attend any FPU class as many times as you would like. It is a lifetime investment for $99.

We have had over 120 attend classes and have had 90 graduates of the program. Class members have paid off several thousand dollars in debt, saved money for emergencies to avoid going into debt, and closed and cut up credit cards for good! It's exciting, motivating and most of all LIFE CHANGING!

If you are ready for a change contact Kim for more information at 993-3069 or kwelch@pccu.com.

We also offer Dave Ramsey's Foundations class for teens. Learn more.

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Teen Financial Education

PCCU offers Dave Ramsey's nationally syndicated "Foundations" which is the premier curriculum for teaching money management to high school and college students. PCCU's goal is to equip students with the skills and knowledge needed to make sound financial decisions for life.

The program engages students by weaving relevant subject matter into an enriching and entertaining format. We currently are able to offer this program in the school setting as well as youth clubs, church youth groups, and other organization groups.

In 2009 we will be facilitating the "Foundations" money management classes to teens in the Family and Consumer Science class at Hagerstown High school and in the Business Department at Lincoln High school. We are always looking for additional classrooms to provide the "Foundations" curriculum.

The program is FREE of charge and includes a workbook for each student, a dynamic learning environment with video lessons, and hands on activities. For more information about starting this program in your school or as an after school program please call Kim for more information.

For more information please contact Kim Welch, PCCU Education & Development Director, at 993-3069 or kwelch@pccu.com.

Teen Accounts

If you are not currently a PCCU member and would like to join, please be sure to bring to the branch:

• Your social security number and birth certificate

• $25 to open your Credit Union share

• Your parent or guardian if you are under the age of 18

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