Smart Steps to Financial Literacy

Smart Steps to Financial Literacy

A study with Gallup World Poll tested 15,000 adults on financial literacy. The study covered basic concepts such as interest rates, compounding and risk. The results of this study were alarming, 1 in 3 adults are financially illiterate.  Not surprisingly, studies show the typical American couple with children carries an average credit card balance of $8,145. Overall, Americans are living off borrowed money and it’s costing them.

This April, Kinetic Credit Union is celebrating Financial Literacy Month and offering its digital financial education program, Smart Steps to the general public. Smart Steps is a simple, narrated, short online course that offers members the opportunity to learn about financial basics. The course guides users to become more financially educated in order to gain better financial control of their future. Even non-members of Kinetic Credit Union can benefit from this course. To start Smart Steps, visit

The Smart Steps Course Covers:

Starting out: 

The basics of responsible banking, budgeting, building credit, protecting your credit, and effectively using a savings and checking account.

Money Basics: 

These courses include education on building emergency savings, protecting yourself from over-drafting, how taxes impact your pay and necessary insurances to keep you protected.

Loans & Payments: 

This section of Smart Steps teaches the best options for investing and how to determine the best payment options for your lifestyle.

Buying a Home: 

This is the most expensive purchase you will ever make. Know the costs associated with homeownership, the best options for loans and more.

Paying for College: 

Paying for education can seem expensive and overwhelming. But don’t worry – you’re not in it alone! This program will help you understand the costs associated with financing an education and navigate the application and repayment process.

Did You Know: 

Kinetic is not your typical bank, it’s a not-for-profit credit union. It is member-owned and operated on the principle of people helping people, providing its members quality service and credit at competitive rates. Kinetic Credit Union serves anyone who lives, works, worships, volunteers, or attends school in Muscogee, Chattahoochee, Harris, or Marion counties in Georgia and Lee, Russell, and Macon counties in Alabama. Learn more about Kinetic at