Here at Mid Oregon Credit Union, we see, more than most, the impact of people being financially illiterate. We see people and families that are carrying the weight of past financial mistakes. We offer and deliver credit union membership benefits- such as better loan and deposit rates, and generally lower fees- which help our members have more of their own money to use. And, we are able to deep dive into some of our members finances to help them make adjustments to support reaching their financial goals. We observe first hand how financial education informs adult behaviors.

Investing in Financial Education in Central Oregon

We also advocate for, deliver and otherwise promote financial education. We provide in-classroom workshops in public & private schools. We participate in reaching K-12 students through Junior Achievement of Central Oregon, NEFE, and other resources. We present open-to-everyone financial workshops in our branches. We also provide employers and community partners with financial education resources and classes for their staff and clients. It’s important to us.

New Study About Teen Financial Skills

Yesterday the High School Financial Planning Program, powered by NEFE, shared a post about a study they funded by the Arizona Pathways to Life Success for University Students (APLUS) project. They learned that teaching teens financial management skills prepares them to enter adulthood poised for success. That shouldn’t be a surprise, but it’s enlightening to see data collected which seems to prove what we already understand from our daily lives.

APLUS demonstrates that financial behaviors learned early on remain relatively stable. Therefore, pre-college financial education leads to more financial knowledge in college, leading to healthier financial behaviors later in life. We hope studies such as these will convince local schools, districts and school boards, and especially state and federal school leaders, to include financial literacy standards in their curriculum choices and recommendations.
We encourage you to read more about NEFE and this study at the post at The information is relevant, and the stakes are high.

Who and what is NEFE and APLUS?

What is NEFE?

The National Endowment for Financial Education (NEFE) is dedicated to inspiring empowered financial decision making for individuals and families through every stage of life. Through research, direct consumer resources, and training tools, NEFE delivers financial education from the classroom to the workplace. More details about NEFE can be found at

What is APLUS?
The Arizona Pathways to Life Success for University Students (also known as APLUS) research project, funded by the National Endowment for Financial Education, was launched in 2007 to discover what factors influence individual pathways to adult stability and happiness over time.