Youth & Young Adult Resources

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Money Talks Personal Finance Presentations

First Financial is committed to improving the financial wellness of high school students. As the credit union for Baltimore, Carroll, Somerset, and Worcester County public school systems, as well as many of the private schools in the Baltimore area, First Financial has developed several Money Talks personal finance presentations to offer teaching assistance.

Topics include:

  • Insurance and taxes
  • Selecting a financial institution
  • Maintaining a checking account
  • Maintaining good credit history
  • Differences between ATMs, debit cards, and credit cards
  • Buying a car
  • Personal budgeting

To schedule a Money Talks presentation or for more information, contact First Financial’s Marketing Department at 410-427-8954 or by email at youthoutreach@firstfinancial.org.

As a not-for-profit financial institution, we return our profits to you in the form of more rewarding products and services. This means you’ll experience incredible value, convenience, and rewards as a First Financial FCU member. Plus, you’ll find we’re dedicated to our community, which means we’re working to make the places where you live and work even better.

Not a member yet? Join Now!

The Millionaire’s Club

The Millionaire’s Club is focused on delivering a meaningful learning experience to club members that will provide lifelong personal finance skills, so participants avoid financial missteps and prosper in our ever-challenging financial world.

First Financial currently sponsors eight Millionaire’s Clubs at area schools. Clubs are provided seed grant funding, detailed curriculum, and faculty advisor and Club member materials at no cost. Club members elect their own leadership and actively engage in the program. First Financial is proud to sponsor a Millionaire’s Club at any interested school/organization within our field of membership.

Participating schools:

  • Calvert Hall College High School
  • Cromwell Valley Elementary School
  • Franklin High School
  • Milbrook Elementary School
  • New Town High School
  • Parkville High School
  • Patapsco High School
  • Perry Hall High School
  • Stemmers Run Middle School
  • West Middle School
  • Windsor Mill Middle School
  • Woodlawn High School

For more information about our Millionaire’s Clubs, contact Cindy Jones at 410-427-8954 or by email to cjones@firstfinancial.org.

As a not-for-profit financial institution, we return our profits to you in the form of more rewarding products and services. This means you’ll experience incredible value, convenience, and rewards as a First Financial FCU member. Plus, you’ll find we’re dedicated to our community, which means we’re working to make the places where you live and work even better.

Not a member yet? Join Now!

High School Debit Card Program

We’ve partnered with several high schools within our field of membership to bring the students, faculty, and staff of these schools a special debit card program. The Campus Debit Card functions as a debit card that conveniently enables student and faculty members to make purchases exclusively on their high school campuses.

The Campus Debit Card, which also serves as the school ID card, is only accepted on campus. It can be used to pay for purchases in the school cafeteria and bookstore (at select locations) – without cash. The purchase amount is debited from a First Financial checking account. In addition to convenience, the card allows for shorter lines at checkout and better service.

  • First, join First Financial using the Campus Debit Card student application linked above. The student is the primary member, and a parent or guardian is required as joint owner. The completed application opens a free checking account from which the purchases are debited.
  • Campus Debit Card IDs are distributed during the second week of school.
  • Stay up to date on the account with free Online Banking, Mobile Banking, eStatements and eAlerts.
  • The account continues from year to year unless you close it. With a Visa® debit card, the student can utilize the account over the summer, into college and beyond.
  • There are several convenient funding options for the debit card account:
    • Mobile Deposit
    • Online Banking transfers
    • Make an Online Payment with your checking or savings account at another institution or with a non
    • First Financial debit or credit card
    • Deposits by mail or in person
  • Find additional Campus Debit Card tips here.

Parents of these students won’t worry about lost lunch money and will have greater control over spending with the Campus Debit Card. Rest assured that only the cardholder can make purchases from the account.

As a not-for-profit financial institution, we return our profits to you in the form of more rewarding products and services. This means you’ll experience incredible value, convenience, and rewards as a First Financial FCU member. Plus, you’ll find we’re dedicated to our community, which means we’re working to make the places where you live and work even better.

Not a member yet? Join Now!

Student Application Faculty Application 

High School Branches

First Financial is proud to sponsor student-run branches at six local high schools. The branches are run by student interns from each high school along with a faculty advisor who oversees the program’s operation.

Students, faculty, and staff at these schools learn about and conduct their financial transactions in a safe, convenient way with access to free, or very low-cost, financial products and services offered by FFFCU.

Participating schools:

  • Bayhawk Branch
    Chesapeake High School
  • Cardinal Branch
    Calvert Hall College High School
  • Maverick Branch
    Eastern Technical High School
  • Owl Branch
    Dundalk High School
  • Titan Branch
    New Town High School
  • Viking Branch
    Lansdowne High School

For more information about our high school branches, contact Cindy Jones at 410-427-8954 or by email to cjones@firstfinancial.org.

As a not-for-profit financial institution, we return our profits to you in the form of more rewarding products and services. This means you’ll experience incredible value, convenience, and rewards as a First Financial FCU member. Plus, you’ll find we’re dedicated to our community, which means we’re working to make the places where you live and work even better.

Not a member yet? Join Now!

It’s a Money Thing Videos

First Financial is proud to offer this super helpful series of financial education videos designed to help you learn about money. These short videos can show you:

  • How to ace a job interview
  • Common money beliefs
  • The ins and outs of earning money online
  • The truth about living on your own
  • Leasing vs. buying a car
  • And so much more!
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