We help people get greater access to life’s necessities than their constrained credit would otherwise allow. Through tailored fairness we seek to provide the best combination of terms on our financial products to meet the needs of all stakeholders. We also help people better manage their financial resources through financial literacy education.




FDIC MoneySmart financial education, financial literacy education

The FDIC Money Smart Program was developed to help you learn more about managing your finances, whether you are just starting out and opening your first account, want to save for the future, or want to learn more about getting loans for a car or to buy a home.

Our commitment to improving the quality of life in the Central Valley is second to none. With the Money Smart curriculum, created by the FDIC, Finance and Thrift has established free financial literacy classes for the unbanked individuals living here in the Central Valley. Money Smart is a training program to help individuals outside the financial mainstream enhance their money-managing skills and create positive banking relationships.

Delivery of the instructor-led program has come about due to collaborative efforts with school districts, chambers of commerce, community and civic-minded organizations that recognize the importance of providing free financial education. Research shows that financial education fosters financial stability. It’s simple: The more people know about credit and banking services, the more likely they are to increase their savings, buy homes, cars, and improve their financial knowledge.

Money Smart is not just for adults. The FDIC developed the Money Smart For Young Adults curriculum to help youth learn the basics of handling their money and finances, including how to establish relationships with financial institutions.

All sessions are free of charge to interested parties. For more information or to sign up for an upcoming workshop, please contact Tom Zarate, Vice President of Business Development at Finance and Thrift, at (559) 359-2129.