The CU Excel Center® serves as a destination point and a trusted source for consumer information, financial education and empowerment for the region. It offers a platform to promote and encourage self-sufficiency and financial dignity through the power of education.
Through the Center, dedicated subject matter experts provide free classes and resources in the areas of: consumer financial and life skills education, health and wellness, continuing education, professional development and business services. This outreach initiative is the first of its kind in our community.
The CU Excel Center was created based on a vision by the St. Louis Community Foundation, and sponsored by St. Louis Community Credit Union and Carrollton Bank. With the generous support of our donors, we are able to expand our reach by providing added value to consumers.
- Better Family Life
- Beyond Housing
- Carrollton Bank
- ClearPoint Credit Counseling Solutions
- Employment Connection
- Enterprise Holdings Foundation
- Fathers’ Support Center
- Gateway EITC Community Coalition (GECC)
- Missouri Career Center
- PNC Foundation
- St. Louis Community Credit Union
- St. Louis Job Corps
- TheBANK of Edwardsville
- Trio Educational Opportunity Centers
- Urban League
The CU Excel Center is located at 95 North Oaks Plaza, St. Louis, MO 63121, nestled in the northeast corner of the North Oaks Shopping Plaza (intersection of Natural Bridge and Lucas and Hunt).
- Monday (by appointment only)
- Tuesday: 9 a.m. - 5 p.m.
- Wednesday: CLOSED
- Thursday: 9:00 a.m. – 5 p.m.
- Friday (by appointment only): 1 p.m. – 5 p.m.
CU Excel Center EverFi Financial Literacy Program
This free program offers an interactive and fun way to learn more about personal finances. Sign up and learn more about credit scores and reports, savings and investments, mortgages, credit cards and much more! You’ll learn how to successfully manage your finances and plan for your future at your own pace and even in the comfort of your home! This program breaks down difficult-to-understand information in a simple way and then offers short knowledge checks to apply what you’ve learned to real situations. Sign up today at www.cuexcel-everfi.com to prepare yourself for your financial future!
These course offerings are designed to help build the foundation of financial success for individuals and families. Sessions are held multiple times a week based on demand. Course topics can be broken into two sessions.
If you were tasked with building your own dream house, would you do it without a blueprint?
Why not apply the same principle to your daily finances? This seminar emphasizes the importance of a budget to daily financial life and the benefits of managing money. Attendees will become more familiar with a written budget as a daily blueprint to personal finances with the steps to a successful budget. In this interactive seminar, attendees will discuss, be introduced to, and learn:
- S.M.A.R.T. (Specific, Measurable, Adjustable, Realistic, and Time-Oriented) financial goals
- Types of goals
- What is a budget
- How to avoid keeping up with the Joneses
- Small expenses that add up
- Importance of family communication
Additionally, attendees complete an interactive simulation constructing a written budget.
What’s in your credit report? What you don’t know CAN hurt you. This explanatory seminar gives you the opportunity to understand how daily life decisions can influence your financial credibility. In this seminar, you will learn:
- Who needs to build good credit, and why
- The significance of a credit report and score
- What’s in a credit report
- Who can access your credit report
- How to obtain your credit report
- How to dispute inaccurate information found in your credit report
- How to establish or rebuild credit
- Pitfalls that cost you plenty
Take control of your money, don’t let it control you. In this informative seminar, you will learn and become familiar with:
- Checking and savings account basics
- Pros and cons of different accounts
- Commonly used financial terminology
- How to avoid fees and calculate interest
- Dangers of sharing your account information
Attendees will also complete an interactive simulation focusing on balancing a checkbook.
Short term loan, long term debt. This conversational seminar identifies predatory lenders as a primary instrument stripping wealth from you and our community. In this seminar, you will discover:
- The actual cost of payday lending
- The practices of predatory lenders
- Predatory lending legislation and current events
- How to avoid payday lending
- How to escape the payday lending cycle
No one is immune to the tragedy that is identity theft. Learn the steps you can take to prevent or correct identity theft. This seminar, will address:
- What identity theft is
- How identities are stolen
- How to minimize the risk and identify the warning signs of identity theft
- How to reclaim your identity if you become a victim of identity theft
Building Wealth for Women
Looking for a way to take charge of your financial future? This seminar focuses on the issues faced by women and personal finance. In this seminar, you will address and discuss:
- Dealing with abusive financial relationships
- Unestablished credit
- The difference between authorized users and joint account holders
- How to reestablish credit
- Resources for independent tax filing
- Ways to become financially independent
Building Wealth for Women explores the steps to creating financial wealth.
In Over Your Head? Deal with Financial Stress the Right Way*
Learn how to conquer financial stress. This program is intended to help attendees identify and manage a variety of financial stress. Throughout the seminar attendees analyze the forms in which financial stress presents itself. In this workshop, attendees discuss:
- Stress outlets
- Communication and planning
In an interactive format, attendees construct a personal vision, budget, and credit repair strategy.
** Please note, this class is not a substitute for counseling from a licensed professional. This course is designed to address financial matters specifically.
Financial Empowerment for Your Family
Every family needs a plan for their money. From a small daily purchase to a long invested life plan, it is crucial for you to have a Family CFO. In this seminar, you will explore and address:
- Major life events, such as the birth of a child, college, or car purchase, and how families can best prepare financially
- The importance of budgeting and credit
Developed for individual interaction with attendees, by appointment only.
Methods of Payment (M.O.P.): Credit vs. Debit vs. Cash vs. ACH
Identifies and familiarizes attendees with the basics of credit, debit, and cash transactions. In this seminar, you will learn:
- Concepts and situations to consider before choosing a method of payment
- The impact of purchasing decisions and methods long-term
Understanding the true cost of higher education before, during, and after the child in your life starts school. Let’s face it, the cost of education isn’t going down. In this seminar, you will examine:
- The costs associated with a college education
- The importance of planning for this college now
- Education Savings Account (ESA) and 529 plans
- Other methods of saving for a college education
- The debt snowball that can result from financial education expenses
Teach Your Children Well
Equip your children with the essential financial skills no matter the age. This seminar introduces parents and children to basic financial principles. In this seminar, you will examine:
- Allowance versus commission
- Importance of financial knowledge
- Saving at an early age
- The financial psyche
Send your email RSVP to any of the events below by clicking on the seminar title!
Presented by: Shalia Ford, Youth Division Director of YWCA Metro St. Louis
Tuesday, March 11, 2014
- Defining and identifying emotional baggage
- Discovering the positive benefits of letting go
- Learning the importance of forgiveness to promote healing
Presented by: Shalia Ford, Youth Division Director of YWCA Metro St. Louis
Tuesday, March 25, 2014
- Assessing what life balance means to you as well as your current life balance
- Making time based on your values, priorities and goals
- Creating a "Balanced Life" action plan
- Identifying your "D.R.E.A.M Team" to support and maintain balaced living
Monday (by appointment only)
- 9 a.m. - 5 p.m.
- 9 a.m. - 5 p.m.
Friday (by appointment only)
- 1 p.m. – 5 p.m.
“During my initial financial counseling meetings with Jaison [Financial Literacy and Community Outreach Specialist], I displayed rebellion and stubbornness. However, when I actually implemented his coaching and advice, I saw amazing results. Now, I encourage my friends, family and co-workers to meet with Jaison, regardless of their financial situation. I’ve gained a great deal of “money smarts” from the sessions. My financial path looks bright and I’m well on my way to achieving financial stability.
- Angela H., One-on-one Coaching Participant
“I believe that the [one-on-one coaching] program is a great opportunity for people like me who need financial advice. It helped me understand my credit and in the process, I’ve learned not to take advantage of credit given to me. Jaison [Financial Literacy and Community Outreach Specialist] is a wonderful, insightful, professional, and courteous representation of St. Louis Community Credit Union. He showed me everything that I needed to know to help myself. I highly recommend this program for anyone who wants to learn how to handle money responsibly.”
- Reneice J., One-on-one Coaching Participant
“The TRIO Educational Opportunity Centers (EOC) are really impressed with the CU Excel Center’s dedication and commitment to providing financial literacy awareness programming to lower income communities. The services offered by the Center are very necessary to both our first-generation, low-income clientele and the community as a whole. We were pleased to be invited to present a federal student aid/financial literacy workshop in August 2012. This event and other Center offerings provide the community with necessary skills and information for everyday life.
With its knowledgeable and caring staff and its diverse resource of community partners, the CU Excel Center is poised to serve as a one-stop shop for these and other types of “critical awareness” services.
The Educational Opportunity Centers are very excited about the CU Excel Center’s mission, values, and goals and we are very happy to have you in our community.”
- Marlana H., EOC Director, TRIO Educational Opportunity Centers
“It has been a privilege to be involved with the CU Excel Center over the past year. As a presenter, I was able to deliver valuable information to the community at no cost. It was important to me, and of course to the employees of St. Louis Community Credit Union, that I deliver relevant and unbiased information in regards to the car-buying process. Not only was the content of this presentation very important, but community members in attendance were able to ask questions and were given contact information for any future questions that may arise. This service is invaluable in today’s society, as we rarely get anything for free.
In addition, the CU Excel center provides a comfortable classroom environment for anyone in the community. The employees that work at the CU Excel Center are truly vested in making the community better through education and awareness and are always a pleasure to work with.”
- Christin K., Business Development Manager, Enterprise Car Sales
“My experience as a presenter at the CU Excel Center, on behalf of Carrollton Bank, has been nothing short of outstanding! I thoroughly enjoy providing information to individuals who seek out the ‘American Dream’ of owning their own business by offering the basic starting blocks to realizing this dream. The CU Excel Center is the gateway venue to allowing this information to be delivered to these individuals, and without it, this information might not be available to them, which in turn, would prevent them from ever realizing their ‘American Dream.’”
- Tim J., VP Commercial Loan Officer, Carrollton Bank
“My experience at the CU Excel Center workshop was great. It made me realize the seriousness of my financial situation and pushed me to focus on resolving the problems. I would definitely apply this to my everyday life.”
- Class Attendee
“I am deeply touched by the generosity of the Janice Mosby scholarship donors, and also by the hard work and dedication of the members of the St. Louis Community CU Foundation. It is only with your support that I am able to achieve my childhood dream of becoming the first-generation college graduate in my family. I plan to become a social worker. Thank you for your extraordinary effort and commitment in bringing out the best in me, and countless others.”
- Brandii, 2012 Janice Mosby Scholarship Recipient