OnPoint Community Credit Union Launches Free Financial Literacy Curriculum To Help Oregon Educators Build Students’ Money Skills (Photo) - 10/26/26

Classroom-ready lessons help students build real-world money skills as Oregon high schools prepare for new personal finance graduation requirement

PORTLAND, Ore. — OnPoint Community Credit Union launched a free, classroom-ready financial literacy curriculum today to help Oregon educators teach students practical money skills. The new resource comes as financial education takes on a larger role in Oregon high schools under the Personal Financial Education requirement established by Senate Bill 3 (SB3).

Access to dedicated financial education remains limited, however. Only 14% of Oregon students are guaranteed to take a standalone personal finance course before graduation, according to the 2026 State of Financial Education Report from Next Gen Personal Finance, a nonprofit focused on expanding access to personal finance education. The same report found that standalone course requirements are six times more effective at improving graduates’ financial wellness, including higher credit scores and lower delinquency rates.

“Financial decisions impact nearly every part of life, including how you save, borrow and plan for the future,” said Peter Rector, financial wellness manager at OnPoint Community Credit Union. “As Oregon educators prepare to bring personal finance into more classrooms, this curriculum gives them the tools to turn core financial concepts into clear, relevant lessons students can use now and after graduation.”

OnPoint’s curriculum is designed to make personal finance easier to teach and more relevant to students’ everyday lives. It includes free, ready-to-use lessons on budgeting, credit, taxes, wealth building and financial well-being for teachers, school districts and homeschool educators. The resources are also available to youth programs, nonprofit organizations and community groups.

What students will learn: Budgeting, banking, credit and more

The curriculum includes 12 lessons across four core areas of personal finance, each with an educator guide, student handout and presentation deck:

• Financial foundations: Helps students understand their relationship with money, set goals, create budgets and build healthy financial habits.
• Banking and financial systems: Introduces students to interest, financial institutions, banking products and the role banking plays in everyday money decisions.
• Credit and borrowing: Helps students understand how credit works, how credit scores are built and how borrowing decisions can affect future opportunities.
• Financial responsibility and wealth building: Covers taxes, saving and investing, fraud prevention, identity protection and other financial responsibilities students may face as adults.

OnPoint developed the curriculum using Oregon Personal Financial Education standards and requirements established through SB3. Spanish-language materials are expected to be available in 2027.

Building on OnPoint’s education roots

Founded by 16 schoolteachers in 1932, OnPoint continues to build on its education roots by helping people across the communities it serves build financial confidence. The new curriculum carries that legacy forward with lessons designed to help students make informed money decisions and prepare for life after graduation.

OnPoint also offers additional financial education resources and programming, including interactive learning tools through Enrich, financial wellness support from GreenPath and financial education sessions for schools and community organizations by request. For more information, visit https://www.onpointcu.com/financial-education/.

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About OnPoint Community Credit Union

OnPoint Community Credit Union is the largest credit union headquartered in Oregon, serving more than 671,000 members throughout Oregon and southwest Washington. Founded in 1932, OnPoint Community Credit Union’s membership is available to anyone who lives or works in one of 33 Oregon counties (Baker, Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Gilliam, Hood River, Jackson, Jefferson, Josephine, Klamath, Lane, Lincoln, Linn, Malheur, Marion, Morrow, Multnomah, Polk, Sherman, Tillamook, Umatilla, Union, Wallowa, Wasco, Washington, Wheeler and Yamhill) and who lives, works, worships, or attends school in one of four Washington counties (Clark, Cowlitz, Lewis, and Skamania), and their immediate family members. OnPoint Community Credit Union is federally insured by the National Credit Union Administration (NCUA). More information is available at onpointcu.com.

Federally insured by NCUA. Equal Housing Opportunity.

Disclosures

The educational resources provided on this page are intended for informational and educational purposes only and should not be considered financial, legal, tax, investment or professional advice.

Curriculum materials are available free of charge and may be used by educators, schools, homeschool programs, nonprofit organizations and community groups for educational purposes.

While this curriculum was developed using Oregon Personal Financial Education standards and concepts associated with Senate Bill 3, use of these materials alone does not guarantee compliance with any local, state, district, accreditation or graduation requirements. Educators and school administrators are responsible for determining how these resources fit within their instructional programs and standards requirements.

Lesson durations are approximate and may vary based on instructional approach, classroom size, student engagement and supplemental activities.

Links to third-party educational resources, tools and partners are provided as a convenience. OnPoint Community Credit Union is not responsible for the content, availability or privacy practices of external websites.

Classroom presentation availability may vary based on volunteer availability, school location, scheduling and program capacity. Submission of a request does not guarantee classroom placement or presentation scheduling.