Educational Opportunities

DuTrac Names 2018 Scholarship Recipients

Seven 2018 graduates of Dubuque and Quad City area high schools were awarded scholarships by DuTrac Community Credit Union’s 2018-2019 Academic Scholarship Program.

Recipients of the $1000 scholarships were:
• Rileigh Lambert, daughter of Cheyanna and Todd Lambert, is a graduate of Monticello (Iowa) High School. Lambert plans to attend St. Ambrose University of Iowa to pursue a double major in special education and elementary education and a master’s in speech pathology.
• Brianna Fry, a graduate of Hempstead High School in Dubuque, will pursue a degree in nursing at Luther College. She is the daughter Kristie and Dennis Fry.
• Kathryn Doyle, daughter of Jill and Paul Doyle, is a graduate of Western Dubuque High School in Epworth. She plans to attend Wartburg College to major in music therapy.

Recipients of the $500 scholarships were:
• Ryan O’Hern, son of Elizabeth and Jeffrey O’Hern, graduated from Alleman Catholic High School in Rock Island, Illinois and plans to attend University of Florida to pursue a degree in prehealth.
• Delaney Kilburg, daughter of Kristine and Charlie Kilburg, will pursue a major in nursing at the University of Iowa. Kilburg is a graduate of North Scott High School in Eldridge.
• Kyle Sperfslage, a graduate of Monticello (Iowa) High School, is the son of Lisa and Dale Sperfslage. Sperfslage plans to major in finance and accounting at the University of Northern Iowa.
• Alison Schneider, the daughter of Deb Schneider, plans to attend Luther College to major in psychology. Schneider graduated from Wahlert High School.

“Education has long been a tenet of credit unions. The purpose of these scholarships was to recognize members of DuTrac Community Credit Union who have demonstrated scholastic excellence and who are interested in advancing their education at an accredited community college, trade school, technical college or university,” states Jason Norton, senior vice president of marketing and business development.

DuTrac’s scholarships for 2020 will be announced this fall. Interested parties should reference local media sources or guidance counselors for application guidelines.

BizKid$ Lesson Plan Topics

This project has received funding through a grant from the National Credit Union Foundation.

  • BizKid$ Basics: Learn budgeting basics, credit insurance, taxes, saving and how to make smart purchases to avoid debt.
  • Careers: Learn about career options, ethics, taxes paycheck deductions and how to overcome failure.
  • Credit & Debit: Learn what is good credit, how to use credit wisely, how to get a good credit score, the impact of too much debt and how to get out of debt.
  • Entrepreneurship: Learn brainstorming ideas, marketing, selling, managing income and expenses, growing a business and “green” business ideas.
  • Financial Markets & The Economy: Learn about stock exchanges, economic cycles, financial institutions, global economy, and how the value of money is created.
  • Financial Planning: Learn about fianancial goal setting, budgeting, compound interest and financial planning.
  • Personal Finances: Learn tips of saving and investing, budgeting, money math, financial planning and how to use power of compound interest.

Contact Karen at ktegeler@dutrac.org (563) 585.8584 or (800) 475.1331, ext. 8584 for more information.

Financial Literacy Fairs

DuTrac’s financial literacy fair proposal utilizes 13 different “booths” with DuTrac staff at each booth to assist students in making decisions based on their income, real-life anticipated expenses and works within a budget framework we help students develop.

This event teaches students how to budget for making on-time, monthly payments after they are out of high school. It will also provide hands-on experience with writing checks, filling out a check register, balancing their checks and learning about loans, etc.

Contact Karen at ktegeler@dutrac.org (563) 585.8584 or (800) 475.1331, ext. 8584 for more information.

NEFE

What is NEFE?
The National Endowment for Financial Education (NEFE) is a non-profit 501 (c) (3) foundation dedicated to helping all Americans acquire the information and gain the skills necessary to take control of their personal finances.

What is the NEFE High School Financial Planning Program?
The NEFE High School Financial Planning Program (HSFPP) is a six-unit program providing teens with a greater understanding of and ability to manage their personal finances in the areas of goal setting, budgeting, and saving. The program uses unique games, simulations, case studies, and interactive exercises to provide hands-on experience for students to test and apply the financial principles and concepts being taught. Its six units function as “mini” courses that can be completed in as few as ten classroom hours.

What Does It Teach Students?

  • Identify and prioritize their personal money management goals
  • Develop a budget
  • Track their income and spending to stay within their budget
  • Understand the cost of using credit
  • Protect their assets as they begin to accumulate money
  • Comprehend the impact of time on the value of their money? Especially important in reaching savings goals

DuTrac will provide a financial services professional to help teach the HSFPP in the classroom. While team-teaching is not a requirement, it has been found that the combined talents of an experienced teacher and a volunteer financial advisor offer the greatest benefit to high school students.

How Can I Participate?
To put this program to work in your school or community, simply contact Kirby Snitker at ksnitker@dutrac.org or by phone at (563) 582.1331 or (800) 475.1331 to request an HSFPP Information Kit. This kit explains how the program works in the classroom and contains a copy of the Student Guide and the forms needed to request the materials

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