How PenFed Credit Union Is Investing in Puerto Rico’s Financial Future

Since 1935, PenFed Credit Union has been guided by the belief that people helping people can change lives, strengthen families, and build stronger communities. For PenFed, teaching young people how to manage money directly reflects that founding purpose. In Puerto Rico, PenFed saw a clear opportunity: a community where it already had deep roots, a growing island-wide focus on financial education, and students who needed reliable instruction before making financial decisions with lasting impact.

Through its partnership with Everfi, PenFed launched “Tu Dinero, Tu Sueño” (“Your Money, Your Dreams”), a program that combines interactive digital financial education with scholarship opportunities and hands-on community engagement. What started in a small number of schools has grown into an island-wide commitment to helping the next generation build a stronger financial future.

PenFed’s earlier financial education efforts relied on self-created presentations delivered one at a time, mostly stateside. To make a lasting difference in Puerto Rico, the credit union needed a more consistent and scalable approach. PenFed needed a solution that could:

• Replace occasional sessions with a curriculum-based program it could deliver reliably across schools
• Support Puerto Rico’s K-12 financial education mandate and growing demand at the secondary level
• Make financial concepts clear and engaging for students
• Reach students in urban, rural, and underserved communities across the island
• Connect classroom learning to real-world conversations with financial professionals

Discover the Impact

PenFed measures success by the program’s impact on students, their families, and the wider Puerto Rican community. Through digital coursework, in-person signature events, and a scholarship contest, the program helps students gain financial knowledge and the confidence to use it. The impact also reaches beyond the classroom, as students take lessons home and start financial conversations across generations.

Download the case study to see how PenFed scaled its program across Puerto Rico, the results students achieved, and how the initiative has strengthened community trust in PenFed across the island.