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Money Smart

The National Credit Union Administration (NCUA) recognizes the importance of financial literacy and education and supports the efforts of credit unions to help their members make prudent, personal financial decisions. Credit unions providing financial education to their members should consider using the Money Smart program.
Money Smart is a comprehensive financial education curriculum designed to help individuals enhance their financial skills and develop positive relationships with financial institutions.

Money Smart Modules

The Money Smart modules include:

Money Smart for Older Adults



This module provides awareness among older adults and their caregivers on how to prevent elder financial exploitation and to encourage advance planning and informed financial decision-making.
There are seven segments covering the following topics:
  • Common Types of Elder Financial Exploitation
  • Scams Targeting Veterans
  • Identity Theft
  • Medical Identify Theft
  • Scams that Target Homeowners
  •  Planning for Unexpected Life Events
  •  How to be Financially Prepared for Disasters
Credit unions and their members can find the latest fraud and scam alerts at NCUA’s Fraud Information Center. Credit unions and their members may also visit for additional financial literacy information.


Money Smart for Adults


Details here



This curriculum consists of eleven training modules that cover the following topics basic financial topics:

  • Description of Deposit And Credit Services
  • Maintaining a Checking Account
  • Spending Plans
  • Importance of Saving
  • Obtain and Use Credit Effectively
  • Building or Repairing Credit


Money Smart for Youth


Details here



This curriculum  is provided in two instructor-led Money Smart modules:

  • Money Smart for Young Adults is designed to help youth ages 12-20 learn the basics of handling their money and finances, including how to create positive relationships with financial institutions. The curriculum is aligned with educational standards for all 50 states, the District of Columbia, Guam and the Virgin Islands, as well as the standards of the Jump$tart Coalition and the National Council on Economic Education.
  • Money Smart for Elementary School Students includes activities for youth ages 5-8 designed to teach children about "paying yourself first," "wants versus needs," and other important lessons.

Additional Information 


More detailed information about the Money Smart curriculum and related resources are available here. Credit unions should note that although the terminology used throughout the series is not specific to credit unions, the curriculum addresses the basic financial education needs of consumers. Also, because there are no copyright restrictions, credit unions may adapt and alter the materials as desired.