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September 2012Vol 3, Issue 9
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We can make a difference
Message From MCUCD



September is one of my favorite months. The mornings are brisk, the leaves are changing, kids are back at school, and we all try to get back into a regular routine.


This school year offers an exciting opportunity for students living in rural counties across Montana. Read below to learn how high school students can earn and save for school while gaining valuable work experience.


This is also the time of year when MCUCD begins planning for next year's Volunteer Income Tax Assistance (VITA) sites. Be sure to let us know if you or someone you know is interested in volunteering!



Executive Director 


In This Issue
Making a Difference
Money Mission
VITA Volunteer Recruitment
September Consumer Topic
Quick Links  


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Making a Difference
Rural Montana Student Works

Rural Employment Opportunities (REO) is a non-profit organization that serves the state of Montana-- encouraging and helping those who are economically disadvantaged to achieve higher education or more advanced job training. REO offers financial aid, education, and support to their participants who are trying to better themselves and their future. While they offer several programs, their newest is aimed at high school students, seniors in particular. The Rural Montana Student Works program (RMSW) is designed to give students job training relative to their career goals and to help them save money for college or a job training program.


How it works: 


Those who enroll in RMSW will open a Work Savings Account with a local, participating credit union. The student will complete six weeks of work experience with a public agency, school, or non-profit organization. REO will pay the student minimum wage for the time of work, which will then be deposited into their new account. Each student has the opportunity to earn up to $1,500. These funds will be saved and used to cover expenses related to continuing their education or completing job training after high school.


This program is compatible with the school-to-work classes that many high schools already have in place. However, by incorporating RMSW, students will not only earn high school class credits, but will also be working to save money for their post-secondary education.



  • RMSW provides students with an opportunity to gain meaningful work experience
  • Students gain local employment references
  • Students learn skills needed to balance school and job schedules
  • Students save money to invest in their future
  • RMSW teaches students financial literacy

Who Qualifies:  

  • Individuals with low to moderate incomes
  • Residents of a rural county
  • High School students ages16-19

To receive more information on hosting a RMSW student at your organization or to apply call 1-800-546-1140 or visit  


Money Mission in Montana
Money Mission logo Looking for a way to spread financial literacy to high school students while growing your youth membership? It's simple! Money Mission is a national scholarship challenge for college-bound high school seniors that simulate real life financial decisions. Your credit union purchases an account and links to Money Mission so students in your area can access the game through your website.

As the students play the game, they learn valuable financial skills. Students then apply for a scholarship by submitting a 400-800 word essay about what they've learned. This is a way to make attracting lifetime members and raising awareness of credit unions fun!
Join us for a pre-session on Financial Literacy at the MCUN Fall Forum, October 23 in Helena. Email Tabitha at League Service Group for more information on this great financial literacy tool. 


VITA Volunteer Recruitment

Help Get the Word Out!


We are so excited for another tax season working with our volunteers, sponsors, and site coordinators. As we move into the recruitment season, MCUCD would like to ask for your help to recruit new volunteers. If you have a VITA site in your community please consider helping MCUCD get the word out about the opportunity to volunteer.


Volunteers at VITA sites help Montanans get the tax help they need by preparing and reviewing tax returns. Check out our recruitment page  for resources to help you get the word out. Visit the site to download a newsletter article, PSA, position descriptions, and more. If you need any assistance with recruitment or if you would like to volunteer for VITA this tax season please contact Rachael.



We appreciate the support of our dedicated volunteers, site coordinators, and sponsors who make their VITA sites so successful in providing quality tax preparation to hardworking Montanans.      



Consumer Topic of the Month

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Families can protect themselves from unforeseen adversity with insurance. We understand that the array of policies on the market can be overwhelming, so we have supplied resources to help you to decide what you really need. This month you will find that "Navigating Insurance" is an important financial step in protecting your assets.

Visit our Consumer Resource page to access resources for the current "Topic of the Month," including a newsletter article, poster, resource guide, and a featured resource. You can also find links to the same documents from past months' topics. Use them to educate your members, clients, and community on consumer topics that will help them protect their health, their home, and their family's financial future.