Lessons » Lesson 3: Credit Concepts

Click on a level (Beginner, Intermediate, Advanced) to view the lessons available.

Teaching Your Preschooler About Money

(Source: Thrive By Five)

Teach your preschooler the basic lessons about money with the Credit Union National Association’s Thrive by Five curriculum.

Four Dollars and Fifty Cents

(Source: Money Management International)

In this lesson for grades Pre K-3 from Money Management International, students use the book Four Dollars and Fifty Cents by Eric A. Kimmel to discover ways that creditors can obtain payment from reluctant debtors.

The book, Four Dollars and Fifty Cents, may be available at your local bookstore, public library, or at Amazon.com.

Mr. Popper's Penguins

(Source: Money Management International)

This lesson for grades 4-6 from Money Management International addresses the issue of credit, focusing on the importance of wise credit decisions, the risks lenders face, the role of interest or finance charges, and the credit user's responsibility to repay. Students read Mr. Popper's Penguins by Richard and Florence Atwater, discuss the use of credit in the story, and then play a game that demonstrates the importance of using credit responsibly.

The Book, Mr. Popper's Penguins, may be available at your local bookstore, public library, or at Amazon.com.

Junior Achievement's Economics for Success

(Source: JA Economics for Success)

JA Economics for Success explores personal finance and students’ education and career options based on their skills, interests, and values. It also demonstrates the economic benefits of staying in school. Six required, volunteer-led activities.

Read details about JA Economics for Success

Watch a video about the JA program

Find a JA offfice near you

Not for a Billion Gazillion Dollars

Source: Money Management International

This lesson for grades 4-6, from Money Management International, addresses the advantages and disadvantages of using credit. Students read Not for a Billion Gazillion Dollars by Paula Danzinger, discuss the use of credit in the story, and then complete a role-playing activity that requires them to analyze and grant a credit request.

Blue Bullet BizKid$ Curriculum

Teachers, parents, credit union staff and volunteers can use the financial education curriculum below. The online curriculum includes instructions on how to teach Biz Kid$ lessons to children. Five core Biz Kid$ lesson plans in expanded formats in both English and Spanish are available. The curriculum can be downloaded, unzipped, and then burned to CD for distribution.

 

Good Debt, Bad Debt: Using Credit Wisely

(Source: NEFE Unit 4)

Designed for teens and new graduates, this lesson plan teaches older teens about the benefits and pitfalls of credit cards and loans.

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“I want to commend the credit unions for stepping up to the plate.” - State Senator Lance Mason

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“I want to thank the Ohio Credit Union League and Ohio credit unions for extending their hand to educators, students, parents, and legislators by creating MoneyAndStuff.” - State Representative Ron Gerberry

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“Financial education in every school has been needed for a long, long time. What you (credit unions) are about here is good for America.” - Congresswoman Marcy Kaptur

“I hope every child has a real account in a credit union or a virtual account.” - Congresswoman Marcy Kaptur

“It’s not how much you make, it’s how much you save.” - Congresswoman Marcy Kaptur

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“As a former teacher, I particularly like the effort to reach out to parents and educators.” - Congressman Steve Chabot

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