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Financial Education Center

Promoting financial literacy is a core mission of all credit unions. But what is financial literacy and how do we help our members become financially literate?


Understanding how money works in the world; how you earn, manage, invest and donate it; and using this knowledge to manage financial resources effectively for a lifetime of well-being are the principles of financial literacy.

We know how important the concept of understanding money is and that values instilled in kids at a young age will shape them to have different financial personalities. It’s partly a parent’s responsibility to teach children about basic money management skills, but we believe we play a significant part in your life by making a “just in time” impact—educating you and your family at a point in your life where it will matter.

Through the credit union’s products and services, and through programs created by the Oklahoma Central Foundation Financial Wellness Center, we arm you with an array of tools and resources to help you make smart decisions with your money, whether you are 6- or 60-years-old.

Knowledge is power but without putting that know-how into action, how can you get anywhere? We invite you to explore the programs and tools below that will empower you to lead a financially healthy life.

Education Programs

  • Money Mammals Kids Club. Designed for 1- to 12-year-olds, is an integral piece of our Youth Club offering as it offers engaging and interactive tools for kids to learn how to share, save and spend. 
  • First-time buyer programs for home and auto. Created for younger members who are ready to cross into adulthood and want to save money on these large purchases.
  • Interactive learning modules. Videos that cover the gamut on a wide range of topics.
  • It’s a Money Thing. A digital financial education program that provides videos, infographics, presentations and handouts, available to educators to use in the classroom or for curious members who are wanting to increase their money management skills. Tailored for 15- to 25-year-old audiences.
  • Credit Report Review. We encourage you to take advantage of this benefit. Walk through your credit report with a certified counselor to better understand your credit and what steps you can take to improve your credit score.
  • Free financial counseling and debt management assistance. We’ve partnered with GreenPath to offer help when you need it. Whether it’s developing a spending plan to keep you on budget or getting out of debt to improve your credit rating, we will explore options to help you reach your goal.
  • Financial planning. Creating a financial plan helps you see the big picture and set long and short-term goals, which is a crucial step in mapping out your financial future. It’s easier to make financial decisions when you have a plan.


Educator Resources

Educators, start helping your students get an A+ on their financial futures!


Yesterday, Janna Eremita from OCCU gave a financial literacy presentation to family and consumer science classes at Street School. She provided great information on budgeting, credit, and scams, as well as credit union benefits that can mean dollars in our students' pockets.

I'm so glad I came to school today! This really means something to me.

The kids were fully engaged from start to finish, and felt that Janna had truly walked in their shoes. The value of the program was summed up in a quote from my most challenging student, who said "I'm so glad I came to school today! This really means something to me". Other students have stopped by the classroom asking for copies of the handouts because they have heard students talking about it.

Thanks for providing such a vibrant, practical program! I think every high school student should have this opportunity.

Donna Shelton
Street School

Classroom Presentations

If your classroom is in need of a guest speaker on any financial topic, we are happy to work with you in developing a presentation that will have the most impact for your students. And we'll gladly correlate our presentation to any learning objective that's on your "to-do" list.

For further details, email Janna Eremita, Financial Development Officer, or call 918-664-6000 Ext. 267.

It’s a Money Thing

It's a Money Thing is a collection of effective financial education content designed to engage and teach young adults how to manage their money. It's also fun for all ages!

Click on each of the lessons below to learn more about the topic.

If you're an educator, visit our Educator Resource section to learn more about this program or email JannaE@OklahomaCentral.org to request a FREE It’s a Money Thing resource kit that includes presentations, infographics, and handouts for your students.

Choose an Option




Check back for more topics coming soon.


Education Modules


Investments - Explore different investment options and how to develop a strategy that helps meets your short and long-term financial goals. Learn about diversification and how to create an investment portfolio that balances risk and reward according to your goals.

Getting Started with Options - Learn what options are, how they work, and how they can benefit investors.

Buying & Owning a Home

Considering Home Ownership - Explore the benefits of home-ownership and the costs associated with a mortgage and owning a home. Review steps to help prepare for the process of home-ownership.

Mortgages - Explore the costs and benefits of home-ownership, the different types of home-loans available to you, and the process for securing a mortgage.

Managing Credit & Credit Cards

Credit Scores & Reports - Learn about the importance of your credit score and how it is calculated. Explore the factors that impact your credit score and different ways to protect it.

Credit Cards - Explore how credit cards work so you can use them most effectively. Learn how to compare offers, pay off your balance, and about your rights as a consumer.

Understanding Your Auto Loan

Auto Loans - Learn about different finance options, fixed and variable interest rates, how monthly payments are calculated, and organizations that protect consumer’s interests.


Checking Accounts - Explore common features of checking accounts and how they work so you can choose the account that works best for you. Compare common payment options such as electronic checks, credit cards, and debit cards.

Overdraft - Learn about the implications of overdrawing your account and how posting order and transaction type impact your available balance. Explore different methods for managing your account to avoid overdraft penalties.

Paying For College

Financing Higher Education - Explore the different ways to pay for higher education such as federal student aid, private loans, and grants. Learn about the components of student loans, different repayment options, and related tax incentives.

529 Plans - Explore how 529 plans can help you start saving for higher education, the associated tax benefits, and how to start your own plan.


Savings - Learn about setting savings goals, different savings account options, and smart habits to help meet your financial needs.

Building Emergency Savings - Learn about spending needs and wants, and explore how small changes to your daily routine can add up to large savings over time.

Estate Planning

Estate Planning - Learn why Estate Planning is important, which documents are included in this financial and legal precaution, and how to get started today.


Retirement 101 - Determine how much money you will need to save for retirement and learn about different types of investment plans. Develop a strategy that helps you meet your retirement savings goals.

When to Collect Social Security - Explore the different options for when you may start collecting retirement benefits and develop the plan that works best for you.


Identity Protection - Investigate the causes of consumer fraud and identity theft, and identify ways to protect yourself from these crimes.

Insurance - Learn about insurance so you can choose the plan options that work best for you. Explore different types of insurance, common costs associated with plans, and the factors that affect your rates.

Taxes - Learn how taxes work so you can develop a strategy that works best for your financial situation. Explore different types of taxes, necessary forms, and how taxes impact your paycheck.

Payday Loans - Learn how Payday Loans work, about possible associated fees, and what regulations are in place to protect consumers’ interests.

Prepaid Cards - Explore the benefits and costs of Prepaid Cards, how they work, and regulations that protect consumers’ interests.

Mobile Payments - Learn about different Mobile Payment options, how they work, and factors you need to be aware of when using this convenience.



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