Financial Literacy School Program

Credit Union Financial Literacy Program

Teaching teens how to handle money

The credit unions in Atlantic Canada, in alignment with the fifth Co-operative Principle, are committed to helping their members and communities achieve financial security by providing accessible, comprehensive financial education.

The financial literacy program is a seven-unit course that introduces high school students to basic financial planning concepts, and illustrates how these concepts apply to everyday life.

Information for schools and teachers

  • The program is available to any school within the Atlantic Provinces.
  • Credit unions will provide a free student guide and an instructor’s manual.
  • Use the program as a resource to an existing course (Economics, Options and Opportunities, etc.) or incorporate into a Financial Literacy course.
  • Often, credit union staff will donate their time to come to the classroom and discuss topics such as student loans, investment and credit.
  • Your local credit union may contact you to offer the program, or you can place an order by contacting your local credit union.

Information for students

Course material is presented from a teenager’s perspective. Topics covered include:

  • The time value of money,
  • Earning an income,
  • Saving money,
  • Protecting your assets,
  • Establishing and prioritizing financial goals, and
  • Understanding the cost of using credit.

Not just for schools

  • Other organizations including youth groups and a women’s shelter have requested this material and made effective use of it.
  • Credit union employees who volunteer at non-profit organizations that have a need for financial education can ask, for and receive materials from this program.


Thanks to Bergengren Credit Union in Antigonish, along with St. Francis Xavier University who, in 2004, acquired the US National Endowment for Financial Education (NEFE) program and revised it for Canadian high school students. The program was last updated in 2009.