Clearview Federal Credit Union - Finanacial Counseling

At Clearview Federal Credit Union, we are committed to providing financial education and other related financial topics of interest to both students and members of our community.  We offer personal finance presentations at schools, community and church based functions and at the workplace, all free of charge.  Presentations are tailored to specific groups to address their particular interest.

Financial Literacy Education Seminars and other programs are available to school districts in Southwestern Pennsylvania.  Be sure that your local school officials are aware of these valuable services that help today’s students become properly educated in personal financial management and prepared for their financial future.

You may contact MaryAnn Demczak, our Accredited Financial Counselor and Financial Education Advocate, via email at <a href="mailto:mdemczak@clearviewfcu.org">mdemczak@clearviewfcu.org</a> or directly at 412-299-6083, to discuss the seminar options that would best suit your group.

Seminar Topics Available include: (but are not limited to:)<table> <tr>
<td>My First Job	
Gross Pay vs. Net Pay
Savings Strategies
Share, Save, Spend 
</td>
<td>

Know Your Credit

Credit card basics
Credit reports and scores
Impact of good/poor credit
</td></tr>
<tr>

Creating a Monthly Spending Plan

Needs vs. Wants
Pay yourself first
Tracking spending </td>
<td>

Identity Theft

What is ID Theft
Don’t be the next victim
What to do, if it happens</td></tr>
<tr>

<td>

Checking Account Basics

Features, Benefits and Mechanics
How to write checks
How to balance monthly to 
your statement</td>
<td>

Predatory Lending

What is considered Predatory
Who are the usual targets
How to avoid being used</td></tr>
</table>

Today’s rising number of personal bankruptcies, increased consumer credit delinquency and inadequate saving habits have created a critical need for financial literacy awareness. Credit unions worldwide have taken on the challenge of educating students on basic financial responsibility concepts and practices in order to improve the financial health of our nation.

At Clearview Federal Credit Union, we are committed to providing financial education and other related financial topics of interest to both students and members of our community. We offer personal finance presentations at schools, community and church based functions and at the workplace, all free of charge. Presentations are tailored to specific groups to address their particular interest.

Financial Literacy Education Seminars and other programs are available to school districts in Southwestern Pennsylvania. Be sure that your local school officials are aware of these valuable services that help today’s students become properly educated in personal financial management and prepared for their financial future.

You may contact MaryAnn Demczak, our Accredited Financial Counselor and Financial Education Advocate, via email at mdemczak@clearviewfcu.org or directly at 412-299-6083, to discuss the seminar options that would best suit your group.

Seminar Topics Available include: (but are not limited to:)

My First Job Gross Pay vs. Net Pay Savings Strategies Share, Save, Spend	Know Your Credit Credit card basics Credit reports and scores Impact of good/poor credit
Creating a Monthly Spending Plan Needs vs. Wants Pay yourself first Tracking spending	Identity Theft What is ID Theft Don’t be the next victim What to do, if it happens
Checking Account Basics Features, Benefits and Mechanics How to write checks How to balance monthly to your statement	Predatory Lending What is considered Predatory Who are the usual targets How to avoid being used