- America Saves

Creating a Nation of
SAVERS
2013
America Saves Week
“America Saves Week,”
in the words of a
Huffington Post Blog,
“swept across the country…
Dear Friends,
During America Saves Week,
a wide range of organizations,
including federal government agencies,
good savings behavior
national and international corporations,
to all Americans.”
financial services institutions, banks,
credit unions, academic institutions, and
nonprofits banded together to help Americans
save more successfully. From corporations with
tens of thousands of employees to small communitybased organizations, each encouraged their constituents to save,
provided information about savings strategies and products, and offered
opportunities to take financial action.
with the goal of promoting
The impacts of the Great Recession have left households feeling vulnerable
and unsure of their financial futures, but families at every income level want
to save. Thanks to the organizations and activities profiled in the pages
that follow, there is real cause for optimism and hope for the future. Each
year during America Saves Week more and more organizations are joining
to make sure that families can save, and each year more individuals commit
to save. In 2013, over 35 million people received messages about the
importance of saving or took financial action.
This is the story of America Saves Week 2013, celebrating the actions of
many. We cordially invite your organization to be a part of next year’s,
America Saves Week, February 24 – March 1, 2014, as we encourage and
empower individuals and families to “Set a Goal. Make a Plan.
Save Automatically.”
Warm regards,
- Nancy Register, Director, America Saves
- Nevin Adams, Director, American Savings Education Council
1
Nationwide Survey Reveals Only About Half of
Americans Reported Good Savings Habits
You have a savings plan with specfic goals
54%
Have a spending plan that allows you to save money
to achieve the goals of your saving plan
You save for retirement at work through a 401(k)
or other contributory plan
43%
50%
Outside of work, you save automatically through regular
preauthorized transfers from checking to savings or investments
You know your net worth
41%
49%
“The recession has not ended for millions of
American families. Many are still under- or unemployed and
find themselves limited by stagnant incomes, and are still
digging out from a housing market that is just beginning to
recover. The over one thousand organizations that have
signed up to participate in America Saves Week recognize this
and are helping individuals and families to save and improve
their finances.”
- Stephen Brobeck, Executive Director of the Consumer
Federation of America (CFA) and a founder of America Saves.
2
America Saves Week Provides a Way
for People to Save Successfully
With only about half of Americans reporting having good savings habits, America Saves Week
provides organizations with the opportunity to improve this trend and encourage families to
take financial action.
Since the launch of America Saves Week in 2007, a growing number of diverse organizations
have seen the value in joining this annual event to help individuals and families save.
America Saves Week Provides
• The opportunity to participate in a national initiative that encourages individuals, families,
employees, students, customers, members, constituents, and others to save for emergencies,
retirement, and other savings goals.
• The ability to leverage the skill, experience, and resources of the America Saves Week team to help
organizations hold events, incentivize savings, and promote good savings behavior.
America Saves Week Resources:
• One-on-one guidance from the America Saves Week team.
• Strategies for Academic Institutions, Employers,
Financial Institutions, Government Agencies, and
Non-profits to participate in the week.
• Opportunities to partner with local
America Saves Campaigns located nationwide.
• Outreach ideas and strategies.
• Marketing resources including: a Digital and Social Media Kit;
Flyers, Posters and Payroll stuffers; Sample Articles; Logos,
Web Buttons and Banners; Sample Press Release; Sample
Proclamation; and PowerPoint Presentations.
3
Why These Strategies Work
Three action items are of the utmost importance. During America Saves Week individuals and
families are encouraged to:
• Set a savings goal and make a savings plan – studies show that those who do are
twice as likely to save.
• Take financial action – by opening or adding to wealth building accounts.
• Set up automatic savings – saving automatically is the best way to increase savings
each month.
How America Saves Week is Different
America Saves Week stands apart because of its national
focus on savings and emphasis on the need for
individuals and families to take financial
action. While financial education can
provide an understanding of the
benefits saving provides, setting up
a successful system to take action
by saving is the key. By opening
and adding to wealth building
accounts like a savings or
retirement account, and
making saving automatic,
individuals and families
of all income levels can
begin to build wealth, can
withstand emergencies,
and live a comfortable
retirement.
4
In the National Spotlight
National Media Coverage of America Saves Week 2013
Arizona Republic, Bloomberg ,CBS Money Watch, Chicago Tribune, CNN
Money, Dallas Morning News, Detroit Free Press (2), Huffington Post, MSN
Money (2), New York Times (2), Sacramento Bee (2), San Francisco Chronicle,
Seattle Times, USA Today, U.S. News & World Report, Yahoo News.
“Organizers of America Saves
Week offer up a range of savings goals:
Make a budget. Take advantage of your
company's 401(k) match. Automatically
transfer part of your paycheck into a
savings account. Build up a fund of at
least $500 to handle those emergencies
that inevitably blow holes in budgets
from time to time.”
“America Saves Week swept
across the country last
week with the goal of promoting
good savings behavior
to all Americans.”
“During America Saves Week,
a host of industry, consumer and
government groups are urging
consumers to do better.
Save more. Spend less.”
5
“...you can use
savings tools on
the program’s Web
site year round.”
“There’s even a national
movement called
America Saves Week”
6
Going Viral with the Savings Message
Each year the America Saves Week team assembles sample social media content that
organizations can use to participate in America Saves Week. Through avenues such as
Facebook and Twitter, America Saves, the American Savings Education Council, and thousands
of organizations reached millions with messages about the importance of saving.
Twitter
Mentions of #ASW2013
4,443
FEB
MAR
1
2
Unique accounts tweeted about America Saves Week
1,208
FEB
2
0
1
3
Estimated 8.5 million
impressions
7
Twitter Parties
America Saves teamed up with Wise Bread,
Sallie Mae, and Save Up to promote
America Saves Week through the weekly
#WBChat.
Facebook
February 2013 Facebook Reach:
244,214*
* FEB
3
MAR
3
*The number of people who have seen any content
associated with your Page. (Unique Users)
8
Government Agencies Nationwide Support
Savings During America Saves Week
More than 60 federal, state, and local government agencies joined America Saves Week
to encourage employees and constituents to save. These agencies created and promoted
programs to buy savings bonds, save for emergencies, participate in workplace wealth
building opportunities like employer matched retirement savings programs, and set up
direct deposit with a portion going into a separate savings account. They also developed
new partnerships to encourage people to save automatically, and provided workshops and
financial counseling to help people set a goal and make a plan to save for their future.
245,200
people
were reached through
Financial Counseling and Workshops
during America Saves Week 2013.
“I urge all Americans to
make America Saves Week an
opportunity for beginning regular
contributions to a savings
program, or increasing the
contributions they already make.
A secure future begins with
regular savings now.”
- Elisse Walter,
Former SEC Chairman
“America Saves Week is
a perfect time to explore
opportunities to save.”
- Peggy Bogadi, Commissioner,
Wage & Investment Division,
Internal Revenue Service.
9
CASE STUDY:
Federal Deposit Insurance
Corporation (FDIC)
FDIC and the Conference of State Bank Supervisors (CSBS) co-hosted two national webinars
for financial institutions to encourage them to participate in America Saves Week.
Combined, the webinars received over 1,200 registrants.
The webinars gave an overview of strategies for financial institutions to promote savings
during the week, and focused on proven strategies and approaches for institutions to
market and otherwise support the week.
CASE STUDY:
The Office of the Comptroller
of the Currency (OCC)
The OCC developed and distributed a guide for financial institutions’ participation in
this year’s campaign to over 30,000 bankers across the country.
The Treasury Department’s credit union also contributed the required $10 minimum deposit
on behalf of any OCC employee who opened a savings account during America Saves Week.
For more information on how government agencies participate in America Saves Week,
visit http://americasavesweek.org/about/success-stories#Government
10
The Impact of Cooperative Extension Programs
The Cooperative Extension System is an active partner with the American Savings Education
Council and America Saves during America Saves Week. In 2013, hundreds of cooperative
extension agents participated in America Saves Week, recognizing that raising awareness
about the importance of saving now will help strengthen the finances of students and adults
in the future.
Cooperative Extension provided custom resources for Extension partners, held workshops,
signed up savers, and created an online savings challenge and viral videos to encourage
financial action.
GOAL:
Pay Down
Debt
Cooperative Extension programs reached 358,160 people
with 6,033 people setting a savings goal, pledging to save
$
3
6
7
“Partnering with America Saves and
other organizations provides an
excellent opportunity to
educate and
empower Americans
to make wise decisions regarding their
personal finances.””
- Susan S. Shockey, National Program Leader,
Family and Consumer Economics,
National Institute of Food and Agriculture / USDA
11
,
9
5
6
GOAL:
Emergency
Fund
CASE STUDIES:
University of Tennessee Extension - Hamilton County
45 businesses, nonprofits, and educational groups participated in “Pigs on Parade,” engaging
hundreds in voting on their favorite piggy bank. Promoted America Saves Week though nine
billboards that reached 1,391,700; two busboards, and 48 interior bus cards that reached 1.5
million; social media that reached 50,000; five TV spots, and one radio spot. Volunteer Income
Tax Assistance (VITA) volunteers enrolled 800+ Savers.
Mississippi State University Extension Service
Created The Great American Treasure Chest initiative to help taxpayers open savings accounts
with a portion of their tax refunds. Over 500 people received financial education on savings as
a result of workshops, publications, and financial education tools like coin holders and
savings calculators.Created a television segment, Your Money Minute, which was
featured during America Saves Week on two Mississippi Delta TV stations that
have a combined viewership of approximately 230,000 households.
Rutgers Cooperative Extension
Created the “2013 America Saves Challenge,” a free five-week program where people
could track their behavior and measure how they were doing by completing small daily
challenges like exercising at least 30 minutes per day and tracking spending. Created five viral
videos to promote America Saves Week that focused on setting a savings goal,
making a savings plan, and saving automatically.
For more information on how academic institutions participated in America Saves Week,
visit http://americasavesweek.org/about/success-stories#Educators
12
Recognizing Employers’ Role in Creating Wealth
Studies have shown that saving at work is one of the best ways for employees to save by
making the savings process automatic. More and more, employers are promoting financial
wellness as they have promoted health initiatives in the past. This is because employers
recognize that employees who learn how to effectively manage their finances are more
empowered, engaged, and satisfied with their compensation, benefits, and overall jobs.
Employers used the week as an opportunity to promote the benefits of saving and encouraged
employees to save automatically through direct deposit into a savings account and through
automatic transfers to a retirement account.
Employers reached
179,898 employees
with savings messages during
America Saves Week 2013.
“America Saves Week offers an impetus
to remind us we can all do more to
encourage savings
to help prepare workers shore up
their financial future.”
- Brian Graff, ASPPA Executive Director
and Chief Executive Officer
“Prudential Retirement is focused on
helping Americans manage the risk
of outliving their savings
in retirement. Prudential Retirement is supporting the Week
by urging individuals to take a small step toward saving for retirement.
Incremental savings can make a difference in the long term.”
- George Castineiras, Prudential Retirement’s
Senior Vice President of Total Retirement Solution
13
CASE STUDY:
Fidelity
Created an America Saves Week landing zone, a multi-faceted toolkit,
and planning guide to encourage employers to participate in America Saves Week
and encourage employees to save.
The employer toolkit was downloaded over 4,000 times. Fidelity’s
web workshops received 240% higher attendance during America Saves Week.
CASE STUDY:
The Boeing Company
Over 50,000 people attended financial counseling / workshops. An estimated 10,000 people
took one or more positive savings actions during America Saves Week.
Supplied publications were available to 150,000 employees.
The internal news article for America Saves Week was in the top three articles for
highest readership and highest recommended article for the entire week.
For more information on how employers participate in America Saves Week,
visit http://americasavesweek.org/about/success-stories#Employers
14
From Small Community Banks and Credit Unions to Large Savings
Institutions, Financial Institutions Incentivized Savings Nationwide
Financial institutions play a central role in promoting the need to save and offering people
the opportunity to save successfully. While the majority of large banks participate in America
Saves Week, in recent years there has been a significant increase in participation among
community banks and credit unions. They too recognize that saving and financial capability
are essential to the well being of community residents and want to play a leading role in
making that happen. Financial institutions see America Saves Week as an ideal opportunity
to reach their community with savings messages, financial literacy activities, and appropriate
saving products.
The 38% growth in participation among
financial institutions from 2012 to 2013 can largely
be attributed to the support and partnership
provided by the FDIC, OCC, CFPB, and Conference
of State Bank Supervisors. Additionally, the America
Saves Week team has developed and refined
participation resources that allow bank and credit
union executives to easily implement activities that
benefit both the organization and the community.
2012
2013
“America Saves Week gives consumers and
financial institutions the opportunity to work together to
encourage saving.
Having access to savings strengthens consumers’
financial foundations, is often the first step in achieving other
financial goals, and helps to build financial stability for individuals.”
15
- Thomas J. Curry, Comptroller of the Currency
46% of reporting financial Institutions offered an
incentive, prize, or special rate for opening or adding
to an account during America Saves Week 2013.
46%
incentives
prizes
special rates
“The U.S. Bank team is excited to participate in
America Saves and Military Saves Week by providing
information, advice, and encouragement to
assist people who want to save money.
We’re all better off when we save money whether it’s for a
rainy day, paying down debt, building an emergency fund,
saving for a home, an education, or retirement. ”
- Erica Opstad, Vice President, Office of Corporate
Citizenship & Financial Education at U.S. Bank
16
CASE STUDIES:
U.S. Bank
Registered 58 U.S. Bank branches in 17 states internally to participate in this year’s
America Saves Week campaign featuring the S.T.A.R.T. saving product that gave $50
for the first $1,000 saved. Conducted financial literacy seminars encouraging saving for
the future using America Saves Week resources.
The First, A National Banking Association
Offered a special account with a minimum opening amount of $15 and no service charge for
up to one year as long as customers keep a minimum balance of $100 in the account.
M&T Bank
Emailed 500,000+ customers promoting America Saves Week and Easy Save
(M&T’s auto funds transfer). Sent out a press release and placed take-ones in the
retail branches promoting America Saves Week and Easy Save.
17
Reaching Savers through Local
America Saves Campaigns
The nearly 60 local, regional, and state America Saves Campaigns allowed individuals
across the nation to learn about the importance of saving and taking financial action. These
individuals participated by pledging to save, saving with an employer, saving at tax time,
and opening and automatically adding to wealth building accounts. America Saves Local
Campaigns work with partners in their community to host workshops, hold competitions, and
spread the word during the week.
Over 129,000 people were
reached through tax site outreach
during America Saves Week 2013.
“Savings are an important part of
managing finances. Families who
regularly put some money aside
for savings are protecting themselves for
today and tomorrow.”
- Richard Cordray, Director,
Consumer Financial Protection Bureau
18
Cleveland Saves
•
•
•
•
Generated more than $100,000 in new deposits into savings accounts.
Received coverage in two newspaper articles and one radio story.
Released 101 tips from real savers in Cleveland.
Incentivized savings with chances to win for depositing change during
America Saves Week, pledging as a Cleveland Saver and setting
savings goals, and splitting tax refunds by taking some and putting it
into a savings account.
Peninsula Saves
• Hosted 13 workshops for youth in middle school through high school.
• Partnered with local Department of Human Services to offer
counseling sessions to individuals and families facing homelessness encouraging them to make savings a priority.
• Partnered with Military Saves to offer a financial fair to military
members at Joint Base Langley/ Eustis.
Okaloosa Saves
• Held the Eco-Nomic Living Expo with 500+ attending.
• Held Piggy Bank Beauty Pageant and Pigs on Parade event with
24 \ Volunteer Pre-K Programs, each making a class pig,
and held four wealth building workshops.
• Worked with Eglin Air Force Base on two workshops for
Military Saves Week.
• Promoted Financial Challenge Savings at VITA Sites;
sent social media postings.
19
North Carolina Saves
• Held a Savings Challenge to encourage students to sign up for NC
Saves, to participate in the Savings Challenge, and to track and report
the savings of their students.
• Provided free credit reports and consultations.
Philadelphia Saves
• Worked with several area colleges and universities to help students
begin setting savings goals as they transition to independence.
• Held five outreach and education events during America Saves
Week to help participants draw or write out savings goals and
complete savings plan worksheets.
• Promoted America Saves Week at 22 education workshops
during the month of February.
Tampa Bay Saves
• 15 Hillsborough County libraries put up displays about America Saves Week.
• A direct email encouraging the Saves pledge was sent to over 8,000 county
employees and local nonprofit social service agencies.
• During the month of February, Hillsborough County Extension made
America Saves Week a front page feature on their website and linked to
the online Saves pledge form.
• Webinars were held during America Saves Week
For more information on how local campaigns participate in America Saves Week,
visit http://americasavesweek.org/about/success-stories#Local
20
1,052 organizations
signed up on
AmericaSavesWeek.org
across 48 states,
reaching over
35 million people.
Many of these organizations continue to encourage savings year round, using the week as
a launching point for organizations to promote savings. America Saves and the American
Savings Education Council provide opportunities and resources for organizations’ ongoing
efforts. Learn more at AmericaSaves.org and ChoosetoSave.org.
Make plans now to join us for America Saves Week
February 24 – March 1, 2014.
Sign up today!
http://americasavesweek.org/for-organizations/sign-up-for-america-saves-week
21
Participating Organizations
Academic Institutions
Albany Law School
Ball State University
Bandera High School
Beal College
Bergenfield High School
Black Studies Association at LSU
Shreveport
BMS Econ Club
Bowling Green City Schools
Bowling Green Senior High School
Bowling Green State - University Student
Money Management Services
Buffalo High School
California State University, Northridge
Department of Family & Consumer
Sciences
City County Credit Union
City of Milwaukee Housing Authority
Collierville High
Colts Neck HS
Columbus College of Art & Design
Community Prep High School
Connecticut Department of Labor Hartford Job Corps Academy
Coppin State University
Duquesne University
East Side University Village Community
Learning Center (ESUVCLC)
Everest College
Fermi High School
Future Business Leaders of America
Future Business Leaders of America Auburn Public Schools
Future Business Leaders of America Lawrence County
Future Business Leaders of America Little Flower Catholic High School
Future Business Leaders of America New Kent Middle School
Future Business Leaders of America - NHP
Future Business Leaders of America Pelham City Schools
Future Business Leaders of America Red Level High School
Future Business Leaders of America Tennessee
George Mason University
Gwinnett County Public Schools
Hackettstown High School
HandsOn Kansas State
Hawaii D.O.E.
Holt High School
Jewett City Savings Bank
John Wood Community College
Kaplan College
Kaplan Higher Education Corporation
Kaplan University
Kelseyville High School
Kent State University
Leeward Community College
Legal Services for Students University
of Kansas
Longwood University
Loyola University New Orleans
New Brunswick High School International Business and Finance
Academy
New River Community College
Ocean County Vocational Technical School
Oklahoma City Community College
Plattsmouth High School
Rancocas Valley Regional High School
Red to Black at Texas Tech University
Rice University
Richard Stockton College of New Jersey
Santa Fe College
Southern University at New Orleans
Southside Baptist Christian School
Stafford Co Public Schools
Staunton City Schools
Sterling High School
Stockton Center for Economic &
Financial Literacy
Texas School of Business - Friendswood
The Texas A&M University System
Turtle Mountain Community College
UHM Financial Literacy Program
Union Public Schools/Community
Service Council
University of Cincinnati - Economics Center
University of Connecticut,
Human Resources
University of Illinois USFSCO SMMC
University of Indianapolis
University of Nevada - Las Vegas
University of Texas of the Permian Basin
University of Utah
Valencia College
West Lowndes Middle School
Wharton School
Wiley College
Williamson Free School of
Mechanical Trades
Banks
Alarion Bank
Alliance Bank
American National Bank
American State Bank
AmTrust Bank
Ann Arbor State Bank
Armed Forces Bank
Athens Federal Community Bank
Atlantic Bank
Atlantic Community Bank
Banco Popular de Puerto Rico
BancorpSouth
Bank North
Bank of American Fork
Bank of Ann Arbor
Bank of Botetourt
Bank of Cape Cod
Bank of Lee’s Summit
Bank of McKenney
Bank of Quincy
Bank of St. Francisville
Bank of the West
Bank of the West Community Affairs
Bank of Travelers Rest
Bank of York
BankFirst Financial Services
BankFive
Bankofmccreary County
Banterra Bank (IL, KY, MO, IN)
BB&T
Beach Community Bank
Biddeford Savings
BMO Harris Bank
BofI Federal Bank
Broadway Federal Bank
Busey Bank
C&F Bank
Caldwell Bank and Trust Co.
Camden National Bank
Capital Community Bank
CB&S Bank
CenterBank
Central National Bank
Centrix Bank
Century Bank
Charter Bank
Chelsea Groton Bank
CIBM Bank
Citizen’s Bank - Indiana
Citizen’s Bank - Pennsylvania
Citizens Bank
Citizens Bank & Trust
Citizens First Bank - Iowa
Citizens First Bank - Kentucky
Citizens National Bank
Citizens Trust Bank
Citizens Union Bank
Clarkston State Bank
Clinton Savings Bank
CoastalStates Bank
Coatesville Savings Bank
Collinsville Building and Loan
Commercial Bank
Commercial State Bank
Community 1st Bank
Community Bank and Trust
Community Bank of Northern Wisconsin
Community Bank of Oak Park River Forest
Community First Bank of New Jersey
Community Savings Bank - Ohio
Concordia Bank & Trust Co.
Connecticut Community Bank, N.A.
22
Cooper State Bank
Cross Keys Bank
D.L. Evans Bank
Decorah Bank & Trust Co.
Dime Bank
Eagle Bank
Enterprise Bank
Evangeline Bank & Trust Company
EverTrust Bank
Far East National Bank
Farmers Bank & Trust
Fifth Third Bank, Northeastern Ohio
First Atlantic Bank
First Bank & Trust
First Bank of Highland Park
First Commonwealth
First Community Bank
First Community Bank and Trust
First Community National Bank
First Federal Savings Bank
First General Bank
First Kentucky Bank
First National Bank Bemidji
First National Bank in Staunton
First National Bank of Germantown
First National Bank of Grant Park
First National Bank of River Falls
First National Bank Texas
First National Community Bank
First Resource Bank
First Security Bank & Trust
First State Bank
First State Bank of Northwest Arkansas
First United Bank
First United Security Bank
First Utah Bank
FNB Bank, N.A.
Fulton Bank
Fulton Bank of New Jersey
Garden State Community Bank
Garrett State Bank
GBC International Bank
GenoaBank
GreenChoice Bank
Grundy Bank
Haddon Savings Bank
Hampden Bank
Heritage Bank
Heritage Bank & Trust
Highland Commercial Bank
Highlands Independent Bank
Hilltop Community Bank
Hodge Bank & Trust Company
Home Federal Bank
Home Federal Bank
Huntington National Bank
Independent Bank
Intracoastal Bank
Jeff Davis Bank
Jersey State Bank
23
Jewett City Savings Bank
KS Bank
Lafayette Ambassador Bank
Landmark Community Bank
Landmark National Bank
Lapeer County Bank & Trust Co.
Leader Bank
Liberty Bank (44 branches)
M&T Bank
MainSource Bank
Malvern Federal Savings Bank
Mango Money
McCook National Bank
Mercer Savings Bank
Merchants Bank & Trust
Meridian Bank Texas
MidSouth Bank
MidWestOne Bank
Monroe Bank & Trust
NBT Bank
NCB
Needham Bank
New Dominion Bank
New York Commercial Bank
New York Community Bank
Newfield National Bank
Noabank
North Salem State Bank
Northwest Savings Bank
Norwood Bank
NVE Bank
Oak Bank
Ohio Savings Bank, a Division of New York
Community Bank
ONB Bank and Trust Company
Palmyra State Bank
Pan American Bank
Pentucket Bank
People’s United Bank (CT, NY, MA, VT,
NH, ME)
Peoples Bank of Alabama
Peoples Bank of Wisconsin
Peoples State Bank
Phenix-Girard Bank
Plumas Bank
PNC Bank
Popular Community Bank
Preferred Bank
Premier Bank & Trust
Primerica
Principal Bank
Progressive Bank
Prosper Bank
Queens County Savings Bank
Queenstown Bank of Maryland
Randolph Bank
RCB Bank
Reliant Bank
Republic Bank
Republic Bank & Trust
Richmond County Savings Bank
Roosevelt Savings Bank
Roslyn Savings Bank
Saco & Biddeford Savings Institution
Saugusbank
Seattle Bank
Signature Bank
Sonabank
SSBBank
State Bank & Trust Company
State Bank Northwest
Stonebridge Bank
StonehamBank
Streator Home Building and Loan
Associatin, SB
Suburban Bank & Trust
Sunwest Bank
Sycamore Bank
Systematic Savings Bank
TAB Bank
The Bancorp Bank
The Bank of Comemrce
The Bank of Southside Virginia
The BrandBank
The Citizens Bank
The Citizens National Bank
The Citizens State Bank
The Columbia Bank
The First National Bank of Suffield
The First, A National Banking Association
The National Bank
The Peoples Bank
The Union Bank Company
Thomaston Savings Bank
Town and Country Bank
TS Bank
Two River Community Bank
U.S. Bank
Union First Market Bank
United Bank
United Bank & Trust
United Central Bank
United Community Bank
Universal Bank
University Bank
Utah Community Bank
Virginia Community Capital /
Community Capital Bank of Virginia
Washington Financial Bank
Webster Bank
WesBanco Bank, Inc.
West Michigan Community Bank
Western Bank
Western Bank of Clovis
Woodforest National Bank
Woodsville Guaranty Savings Bank
Woori America Bank
Bloggers
A Smarter Choice
Broke Divas Club
CareNovateMag
Equifax Finance Blog
Hot Flash Financial
Kinkelaar & Associates Financial Planning
MooMama
Multiples and Money
MyHomeMatters
NerdWallet
Sister Save A Lot
Smart Money Chicks
The Military Guide
Cooperative Extension
Alabama Cooperative Extension System
Alabama Cooperative Extension System Greene County
Alabama Cooperative Extension System Lauderdale
Alabama Saves
Colorado State University Extension
Colorado State University Extension Bent County
Colorado State University Extension Golden Plains Area
Cornell Cooperative Extension Columbia and Greene Counties
Cornell Cooperative Extension Washington County
Duval County Extension Service
Extension Service
Flint Hills Financial Literacy Council
Fort Valley State University
Grant County UW - Extension
Jefferson County Cooperative
Extension Services
K-State Research and Extension
K-State Research and Extension Atchison County
K-State Research and Extension Central Kansas District
K-State Research and Extension Ellis County
K-State Research and Extension Oskaloosa Office
K-State Research and Extension Phillips-Rooks Extension District
K-State Research and Extension Rolling Prairie
K-State Research and Extension Sumner County
Kearny County Extension
Michigan State University Extension
Mississippi State University - E
xtension Service
Montana State University Extension
New Mexico State University
North Carolina Cooperative Extenstion Johnston County
Ohio State University Extension
Ohio State University Extension Adams/Brown/Highland Counties
Ohio State University Extension Clermont County
Ohio State University Extension Greene County
Ohio State University Extension Hamilton County
Ohio State University Extension Lucas County
Ohio State University Extension Monroe County
Ohio State University Extension Wayne County
Post Rock Extension District
Purdue Cooperative Extension
Purdue Cooperative Extension Service - Allen County Office
Purdue Extension - Dubois County
Purdue Extension - Marion County
Purdue Extension - Posey County
Purdue Extension - Tippecanoe County
Purdue Extension - Warrick
Rutgers Cooperative Extension
and eXtension
SDSU Extention
Texas A&M AgriLife Extension Service
The University of Tennessee Extension
University of Alasak Fairbanks Cooperative Extension Service
University of California Cooperative
Extension - San Diego County
University of Connecticut Cooperative
Extension System
University of Florida
University of Florida - Okaloosa Extension
University of Florida Extension - Hillsborough County
University of Florida Extension Madison County
University of Florida IFAS Extension - Orange County Office
University of Florida IFAS Extension - Putnam County
University of Florida IFAS Extension - Suwannee County
University of Florida IFAS Extension - Walton County
University of Hawaii Cooperative Extension
Service
University of Idaho Extension Bear Lake County
University of Illinois Extension
University of Kentucky Cooperative
Extension Service
University of Maine Cooperative Extension
University of Minnesota Extension
University of Minnesota Extension
Family Development
University of Missouri Extension
University of Missouri Extension Andrew Country
University of Missouri Extension Jasper County
University of Nebraska Extension Dixon County
University of Tennessee Extension
University of Tennessee Extension Giles County
University of Tennessee Extension - Hamilton County
University of Tennessee Extension - Henderson County
University of Tennessee Extension Humphreys County Extension
University of Tennessee Extension Madison County
University of Tennessee Extension - Madison County 4H
University of Tennessee Extension Polk County
University of Tennessee Extension Roane County
University of Tennessee Extension Sevier County
University of Tennessee Extension Shelby County
University of Tennessee Extension Wayne County
Virginia Cooperative Extension
Virginia Cooperative Extension Arlington County
Virginia Cooperative Extension Giles County
Virginia Cooperative Extension Pulaski County
WVU Cabell County Extension Service
Credit Unions
Aero Federal Credit Union
Alhambra Credit Union
Allegheny Central Employees
Federal Credit Union
American Heritage Federal Credit Union
American Southwest Credit Union
APG Federal Credit Union
Arsenal Credit Union
Astera Credit Union
Baylands FCU
Beach Municipal FCU
Bell West Community Credit Union
Border Federal Credit Union
Cedar Point Federal Credit Union
Central Virginia Federal Credit Union
Class Act FCU
24
Columbus Metro FCU
Combined Employees Credit Union
Community Credit Union
Community Financial Credit Union
Consumers Credit Union
Corning Credit Union
Delta Community Credit Union
Destinations Credit Union
Eaton Family Credit Union
eCO Credit Union
Educators Credit Union
Empower FCU
Energy Federal Credit Union
Firefighters Community Credit Union
First Commonwealth FCU
First Community Credit Union
First New York Federal Credit Union
First Service Federal Credit Union
First U.S. Community Credit Union
Florida State Employees Federal
Credit Union
Fond du Lac Credit Union
FRB Federal Credit Union
Freedom Federal Credit Union
Goldenwest Credit Union
Government Printing Office Federal
Credit Union
Gulf Winds Federal Credit Union
Harvesters FCU
Healthcare Services Credit Union
Helping Other People Excel FCU
Hoosier Hills Credit Union
Hope Credit Union
Horizons North Credit Union
Hudson Valley Federal Credit Union
IC Federal Credit Union
Idaho Central Credit Union
iQ Credit Union
Jersey Central FCU
KimCentral Credit Union
Kinecta Federal Credit Union
Langley Federal Credit Union
Les Bois Credit Union
Liberty Savings FCU
MAMTA FCU
Mid-Hudson Valley Federal Credit Union
Mid-Minnesota Federal Credit Union
Mission Federal Credit Union
MN Valley Federal Credit Union
Morton Lane Federal Credit Union
MPCU
National Credit Union Administration
(NCUA)
NLRB Federal Credit Union
NorState FCU
North Olmsted School Employees
Federal Credit Union
P&G Federal Credit Union
Pacific Marine Credit Union
Park City Credit Union
25
PCT Federal Credit Union
Pearl Harbor Federal Credit Union
Penn State Federal Credit Union
People’s Community Federal Credit Union
People’s Trust Federal Credit Union
Point Breeze Credit Union
Postal Credit Union
Potelco United Credit Union
Premier Members FCU
Progressions Credit Union
PSECU
Redwood Credit Union
Reid Temple Federal Credit Union
RIA Federal Credit Union
School District 3 Federal Credit Union
SECU
Service 1 Federal Credit Union
Service 1st Federal Credit Union
Solarity Credit Union
St. Cloud Federal Credit Union
Staley Credit Union
State Department Federal Credit Union
Summit Credit Union
TallyConnection.com by FSU Credit Union
TelComm Credit Union
The Family Credit Union
Tongass Federal Credit Union
Tri County Area FCU
TTCU The Credit Union
Tulane-Loyola FCU
Tyndall Federal Credit Union
UNI Credit Union
United Teletech Financial
University Federal Credit Union
UT Federal Credit Union
Valley First Credit Union
Velocity Credit Union
WEOKIE Credit Union
Western New York Federal Credit Union
Freedom Federal Credit Union
Winslow Santa Fe Credit Union
Xceed Financial Credit Union
Faith-Based Organizations
Beachpoint Church
Dominion Financial Management, Inc.
Family Life Center
Mount Hebron Baptist Church
Sea Island Habitat For Human
St. Vincent De Paul Catholic Church
St. James Evangelical Lutheran Church
Food Pantry
St. Matthew’s Episcopal Church
Food Pantry
The ABC’s of Personal Finance
Wealth for the Righteous Resource Center
Financial Institutions
Aflac New York
Alerus Financial
American Pensions
Antonio Financial Group
BOK Financial
Capitol 401k
Diversified/Transamerica
Retirement Solutions
ESB Financial
Fidelity Investments
Heffernan Financial Services
ICMA-RC
ING
LifeCounts (HowellCorp)
Money Service Centers of Hawaii, Inc.
Morgan Stanley
New Direction IRA
Novadebt
Oregon Savings Growth Plan
Rains Plan Group
Retirement Plan Partners, Inc.
Sallie Mae
Transamerica Retirement Solutions
Triton Wealth Management
Washington Wealth Advisors
Wells Fargo Institutional Retirement
and Trust
For-Profit Business
A Little Bit More Fun
ACCO Engineered Systems, Inc.
Adler Consulting LLC
AHC
Alcoa
Allied Environmental Services, Inc.
American Society of Pension
Professionals & Actuaries
Berkshire Associates Inc.
Bermis Company
BreadVault
Career Education Corporation
Comer Consulting, LLC
Concierge Financial Planning, LLC
Continental Products
Contractors Register, Inc.
Debt Proof Living
Discoverx
DTE Energy
eLayaway
Exterran
Financial Finesse, Inc.
Financial Futures Now
FIT Financial Plannning, LLC
Fresh Connection Brand
Garrett Planning Network, Inc.
General Mills
General Wealth Zone, LLC
H.E. Freeman Enterprises
Henkels&McCoy
Herb Gillen Agency
HOME/Liquid Blue Realty
ion exhibits
L&R Cleaning & Restoration LCC
Lenox Financial Solution LLC
Lumina Financial Consultants, LLC
M. A. Mortenson Company
MediFit
MEP
Metapilot, LLC
MoneyRates.com
Movencorp Inc.
Newcomb Financial Advisors, LLC
NFL Players Association
NFP Thorbahn
NIPSCO
NPR of America, Inc.
Nutra Manufacturing
OEConnection
ON2PNUR INVESTMT GROUP LLC
Oneamerica
Our Financial Planning Options
Pacific Grill
PASCO
Payroll
PFM Associates
Polysciences, Inc.
Present Value
Printpack, Inc.
Quality Aircraft Interiors, Inc.
QuintEvents
SBR Realty LLC
Smarter Advantage
Social Enterprise Associates
The Alexandrite Group LLC
The Handy Kenlin Group
The Segal Company
The Warren Financial Group, LLC
THERAPY 2000, Inc.
Thomson Reuters
Tom Ferry
Trinity Financial Coaching
US Airways, Inc.
Verizon
Whole Foods Market
YMB and Associates
Government Agency
Arizona Department of
Financial Institutions
Benwood-McMechen Housing Authority
Bureau of the Public Debt
California Department of
Financial Institutions (DFI)
California Financial Literacy Month
(CAFLM)
City of Cleveland
City of Midwest City -
Neighborhoods in Action
City of Milwaukee Housing Authority
Commodity Futures Trading Commission
Connecticut Department of Banking
Consumer Financial Protection Bureau
DC Department of Insurance Securities
& Banking
Deep East Texas Council of Governments
(DETCOG)
Department of Children’s Services
Eagle Mountain Public Library
Emmett Public Library
Fauquier County Government
Federal Deposit Insurance Corporation
(FDIC)
Federal Deposit Insurance Corporation
(FDIC) - Dallas Regional Office
Federal Trade Commission
Florida Department of Health
Health and Human Services Commission
Hillsborough County Family and Aging
Services/ Social Services Division
Idaho Department of Finance
Indiana Secretary of State
Kansas Office of the Securities
Commissioner
Kentucky Department of Financial
Institutions
Los Angeles County Department
of Consumer Affairs
Louisville Metro Community Services
and Revitalization
Maine Public Employees
Retirement System
Massachusetts Division of Banks
Michigan Office of Financial and Insurance
Regulation
Minnesota State Retirement System
Missouri State Employees Retirement
Systerm (MOSERS)
National Institute for Food and Agriculture
(USDA)
New River Valley Planning
Distict Commission
Office of Investor Education and Advocacy
Ohio Department of Commerce,
Division of Financial Institutions
Oregon Division of Finance and
Corporate Securities
Portsmouth Naval Shipyard
Pulaski County Library System
San Diego County Library
San Diego Public Library
San Diego Reinvestment Task Force
San Francisco Office of
Financial Empowerment
Southeast Metro Stormwater Authority
St. Joseph/Cass MYOI
State of Connecticut Department of Labor
State of Illinois- Department of
Financial and Professional Regulation
State of Minnesota
Tehama County Community Action Agency
Tennessee Department of
Financial Institutions
United States Department of Agriculture Rural Development
U.S. Department of Labor, Employee
Benefits Security Administration
U.S. Securities and Exchange Commission
U.S. General Services Administration
U.S. Securities & Exchange Commission
U.S. Social Security Administration
Virginia Department of Corrections
Washington Department of
Financial Institutions
Washington State Department
of Retirement Systems
West Virginia State Auditor’s Office
West Virginia State Treasurer’s Office
Wheeling Human Rights Commission
Wisconsin Women’s Council
work2future
Industry Association or Trade Group
American Bankers Association (ABA)
California Association of Realtors
Conference of State Bank Supervisors
Credit Union National Association
Exterran
GBC International Bank
Idaho Credit Union League
Independent Community Bankers
of America
Insured Retirement Institute (IRI)
Investment Company Institute
Michigan Bankers Association
West Virginia Bankers Association
Local America Saves Campaigns
Alabama Saves
California Saves
Central Iowa Saves
Champaign County Saves
Charles County Saves
Charlotte Saves
Cleveland Saves
Duke/Durham Saves
First State Saves
Florida Saves
Greater Cincinnati Saves
Hancock County Saves
Illinois Saves
Inland Empire Saves
Kansas City Saves
Kansas Saves
Kentucky Saves
Langley Saves
26
Lawrence Saves
Louisiana Saves
Metro Atlanta Saves
New Jersey Saves
North Carolina Saves
Northern New Jersey Saves
Northwest Missouri Saves
Northwoods Saves
Ohio Saves
Okaloosa Saves
OSU Saves
Peninsula Saves
Philadelphia Saves
Pierce County Saves
San Diego Saves
Silicon Valley/South Bay Saves
South Dakota Saves
Southside Saves
Tampa Bay Saves
Tennessee Saves
University of Illinois Saves
Utah Saves
Virginia Saves
West Virginia Saves
Wisconsin Saves
Young Illinois Saves
Young Texas Saves
Media
La Familia de Broward magazine
Non-Profit
$tand By me
1:1 Fund
AAA Fair Credit Foundation
Academic Federal Credit Union
Accion San Diego
Advantage Credit Counseling Service
Affordable Housing Partnership of
the Capital Region
Alpha Kappa Alpha Sorority Inc.
Alpha Kappa Alpha Sorority Inc.
Beta Delta Omega Chapter
Alpha Kappa Alpha Sorority Inc.
Delta Psi Omega Chapter
Alpha Kappa Alpha Sorority Inc.
Epsilon Omega Chapter
Alpha Kappa Alpha Sorority Inc.
Epsilon Pi Omega Chapter
Alpha Kappa Alpha Sorority Inc.
Epsilon Tau Omega
Alpha Kappa Alpha Sorority Inc.
Gamma Omega Chapter
Alpha Kappa Alpha Sorority Inc.
Lambda Nu Omega Chapter
Alpha Kappa Alpha Sorority Inc.
Omicron Chi Omega Chapter
27
Alpha Kappa Alpha Sorority Inc.
Omicron Gamma Omega Chapter
Alpha Kappa Alpha Sorority Inc.
Rho Zeta Omega Chapter
Alpha Kappa Alpha Sorority Inc.
Theta Rho Omega Chapter
Alpha Kappa Alpha Sorority Inc.
Xi Nu Omega Chapter
Alpha Kappa Alpha Sorority Inc.
Xi Omega Chapter
American Bankers Association Education Foundation
American Debt Counseling, Inc.
American Institute of Certified Public
Accountants (AICPA)
American Medical Association
American Society of Pension Professionals
& Actuaries
Apprisen
AssetPlatform.org
Associated Ministries of Tacoma Pierce County
Association for Financial Counseling
and Planning Education
Bank on California
Bank on DC
Bank on Louisville
Bank on Owensboro
Bayview Towers Community Center
Better Business Bureau of Minnesota
and North Dakota
Bluebonnet Electric Cooperative, Inc.
Boys & Girls Clubs of Greater Milwaukee
Brain Injury Services, Inc.
Brighton Center, Inc.
Brooklyn Neighborhood
Improvement Association
CABEL Foundation.Org
Cambridge Economic Opportunity
Committee
CareFirst BlueCross BlueShield
CASA of Oregon
Catholic Charities - Fort Worth
Catholic Charities - San Antonio
Catholic Charities - West Virginia
CCCS of Nebraska, Inc
Center for Community &
Family Development
Center for Non-Profits
Center for Prevention and Counseling
Center for Smart Financial Choices
Center for Teaching Entrepreneurship
Cents Ability
Certified Financial Planners Board
(CFP Board)
CFED
Change, Inc.
Charlotte Saves
Cherokee Nation
Commission on Economic Opportunity
CommonWealth One Federal Credit Union
Community Financial Education
Foundation
Community Renewal Team
Community Services for Children, Inc.
Community Teamwork
Connecticut Association for
Human Services
Consolidated Credit Counseling Services,
Inc.
Consumer Action
Cottages of Hope
Council for Economic Education
Courtesy is Contagious Productions Inc.
D2D Fund
Debt Reduction Services Inc
DebtHelper.com
Delaware Financial Literacy Institute
Destination DC
Doorways to Dreams Fund (D2D Fund)
Eaton County United Way
Economic Awareness Council
Einstein Healthcare Network
Employee Benefit Research Institute/
American Savings Education Council
(EBRI/ASEC)
Family Foundations
Family Housing Advisory Services
Family Life Resources, Inc.
FamilyMeans
Financial Hope Counseling and Education
Financial Industry Regulatory Authority
(FINRA)
Financial Learning Ambassadors
Financial Planning Association
Financial Resource Center
FINRA Investor Education Foundation
FoolProof
Foothills United Way and Community
Action Programs of Boulder County
Foundation for Financial Planning
Friends for Financial Freedom United Way of Southeast Mississippi
Gator C.A.S.H.
Gear Up
General Federation of Women’s Clubs
GFWC, Sutter District of California
Giles County Chamber of Commerce
Girl Scouts Troop 21570
Goodwill Industries International
Great Site Informer
Green River Asset Building Coalition
GreenPath
Healing Hands
Help Minnesota Save
Housing & Credit Counseling
Housing Authority of the City of Milwaukee
Housing Options & Planning Enterprises,
Inc.
Human Capital Development Corp.
IAM National Pension Fund
Idaho Financial Literacy Coalition
IMPACT Community Action
InCharge Debt Solutions
Increasing H.O.P.E.
Innovative Changes
Institute of Consumer Financial Education
(ICFE)
Insured Retirement Institute (IRI)
Investment Company Institute
Investment Company Institute
Education Foundation
Ionia MSU Extension
Iota Phi Lambda, Alpha chapter
Iowans for Social & Economic Development
ISED Ventures
Junior Achievement of New Jersey, Inc.
(JANJ)
Kalamazoo Eastside Neighborhood
Association
Kappa Omega Foundation
KB Ojibwa Housing & CDC
Kentucky Jump$tart
Korean Culture Center Inc.
Laughlin Memorial Chapel
Lawrence CommunityWorks, Inc.
LifeSpan, Inc
Literacy Institute for Financial Enrichment
Little Village Chamber of Commerce
Madison County Community Economic
Development Agency (McCeda)
Maine Jump$tart Coalition for Personal
Financial Literacy
Make A Difference - Wisconsin
Make Change NoCo
Man-I-Cure
Mary Rigg Neighborhood Center
Meriden Black Expo
Milwaukee Public Library
Mission Economic Development Agency
Mississippi Economic Policy Center
Mon County Habitat for Humanity
Mountain Gem Credit Union
NACHA
National Coaltion of 100 Black Women
National Community Tax Coalition
National Disability Institute
National Financial Literacy Foundation, Inc.
National Network to End
Domestic Violence
Navy-Marine Corps Relief Society Iwakuni
NCB
NCCEE
Neighborhood Housing Services of
Greater Cleveland
Neighborhood Trust Financial Partners
New Jersey Coalition for Financial
Education (NJCFE)
New River Community Action
NH Jump$tart Coalition
North American Securities Administrators
Association
North County Lifeline
NorwayConnects
Novadebt
Nu Rho Omega Chapter
Operation HOPE, Inc.
Parkview Services
Penobscot Nation Resident Opportunity
& Self-Sufficiency Program
Phi Beta Sigma Beta Sigma Chapter
Policy Matters Ohio
PREACH
Price Hill Financial Opportunity Center
Principles of Investing
Prosperity Now Financial Management
Services
Prosperity Works
Rappahannock United Way
Real$ense Prosperity Campaign
Rock Island Economic Growth Corp.
Rural Dynamics, Inc.
Salem Health
Sankofa Youth Agenda
SER Metro-Detroit
Sigma Sigma Omega Chapter; AKA Sorority
Silver Spring Neighborhood Center
Sisters In Spirit
SOFE
South Texas Literacy Coalition
Southeast Alaska Regional Health
Consortium (SEARHC)
Springboard Nonprofit Consumer Credit
Management Inc.
St. Samuel Temple Church of God in Christ
Step Up Savannah
Suncoast Community Capital
SurePath Financial Solutions
Sweet Potato Society
Take Charge America
Taylor’s Kidz Inc.
The Collaborative
The Financial Clinic
The Monarch Awards Foundation
The Monroe Foundation
The NHP Foundation
The Noble Foundation
The Sensible Dollar
Total Action Against Poverty
Truth For Youth, Inc
TS Bank
United Way for Greater Austin
United Way of Central Iowa
United Way of Greater Cincinnati
and Martinsville
United Way of Northern New Jersey,
Somerset County Office
United Way of Thomas Jefferson Area
Urban Asset Builders Inc.
Utah Food Bank
Virtual Piggy
Volunteers of America of Illinois
Walter G. Diggles Foundation
War on Poverty
West Side Neighborhood Housing Services
West Virginia Saves
Whatcom Asset Building Coalition
Winter Hill Apartments
Wisconsin Coaltion Against Domestic
Violence
Wisconsin Womens Business Initiative Corp
(WWBIC)
Women’s Institute for a Secure Retirement
(WISER)
WorldatWork
YWCA of Metropolitan Dallas
YWCA Wheeling
United Way of Henry County
28