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AFCB Provides Financial Literacy to ACMS
About Us AFCB Provides Financial Literacy to ACMS

As a precursor to its SMART Start Financial Literacy learning platform offered to nine area high schools, Athens Federal Community Bank recently committed to providing a foundational program to students in grades 4-6 at Athens City Middle School. Powered by EverFi™ and delivered at absolutely no cost to the school, the web-based, interactive program uses the latest in new media technology, including simulations, avatars, gaming, to increase students’ knowledge and build the foundation for making sound financial decisions at a young age.

Through this platform, 4th-6th grade students will become certified in a number of personal finance topics, including financial responsibility and decision making, income and careers, planning and money management, credit and debit, insurance and risk management, and savings and investing.

"Because our SMART Start program has reaped such positive response from high school students, teachers and administrators, introducing a preliminary program to middle school students in our area was the right decision,” commented Jeff Cunningham, president and CEO of Athens Federal. “It is never too early to engage young people and instill the importance of personal financial management.”

The multi-unit course offers approximately two-and-a-half hours of programming aimed at teaching, accessing and certifying 4th-6th grade students in a variety of relevant financial topics that adhere to the Jump$tart Coalition for Personal Financial Literacy National Standards. Upon completion of each learning group, real-life simulations allow students to apply their learning in a variety of story-based activities that challenge them to practice good decision-making around budgeting and saving. Students also earn digital badges for mastering key skills such as money management and job planning throughout the program and receive a certificate of achievement upon successful completion of the curriculum. Subsequently, teachers and administrators are provided with rich assessment data that measures student knowledge gains after each learning module to determine overall program impact.

According to Amy Jo Castor, Athens Federal CRA officer and director of the bank’s EverFi suite of programs, “we are proud of the success we’ve achieved with our high school program and we are especially honored to provide this unique and innovative learning experience to students at our Adopt-a-School partner, Athens City Middle School.”

EverFi is the leading education technology platform company to teach, assess and certify students in critical skills including Financial Literacy, Student Loan Management, Digital Literacy, and Health and Wellness. The company is powering a national movement in 50 states that enables students to learn using the latest technology, including rich media, gaming, high-definition video and simulations. EverFi teams with major corporations and foundations to provide the programs at no cost to schools. To date, more than 4 million students have completed the EverFi learning platforms. Learn more at