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Lima Montana Student, Emilie Schroeder, Wins Blog Contest Sponsored by MT Bankers Financial Scholars Program & EverFi

January 26, 2015

Emilie Schroeder of Lima High School in Lima, Montana, won $500 in prize money this month, having written a winning blog in the recent Montana Bankers Financial Scholars Blog contest.  As a participant in the Montana Bankers Financial Scholars Program, Emilie was invited to compete with hundreds of other students active in the program statewide.  Local MBA member bank, Pioneer Federal Savings and Loan and its President, Tom Welch, helped sponsor the program at Lima High School.

LIMA - MT Fin Scholars - EverFI Blog Winner Photo - Milt Apple Teacher - Emily Schroeder Student

Milt Apple, Educator and Emilie Schroeder, student, of Lima High School, Lima, Montana. Emilie is one of two winners of the Montana Bankers Financial Scholars Program Blog Contest. She earned $500 in prize money, sponsored by EverFI, for writing her story about personal financial literacy.

Emilie’s teacher, Milt Apple, encouraged her to participate in the blog contest and works with all of his students to effectively leverage the EverFi financial literacy program in his classroom.

The second winner of the Montana Bankers Financial Scholars Program is Renata Buffalino of Bozeman High School, Bozeman, Montana.  She is featured in a separate blog on this site.

In partnership with its dozens of member banks throughout Montana, the Montana Bankers Financial Scholars Program is providing access to thousands of Montana students to an interactive, web-based financial literacy platform, developed by, and deployed through, a partnership with EverFi, Inc., a leading education technology company. As a result of this new initiative, the finance and savings education program will be offered to all Montana high schools at no cost to the school via a sponsorship from a Montana bank.

“This is a great program that empowers our young people to learn how to establish credit, prepare for their higher education and to start saving now to help ensure a strong financial future for themselves and their families,” said Kevin Clark, Chair, Board of Directors, Montana Bankers Association. “Too often, we expect young people to understand how the world works without giving them the tools we all need to be prepared for the future. Financial literacy is an important part of a complete education. We are proud to be among the organizations in Montana helping to ease access to quality, useful and easy to understand information to help achieve as much financial literacy among our youth as possible.”

The Montana Bankers Financial Scholars Program offers over eight hours of programming aimed at certifying students in a variety of financial topics including credit scores, insurance, credit cards, student loans, mortgages, taxes, stocks, savings, 401k’s and other critical concepts that map to national financial literacy standards.

“Among the most exciting aspects of this program is that we are able to leverage local banks to help recruit school administrators to embrace and leverage the highly useful financial literacy content of the EverFi program,” said Steve Turkiewicz, President and CEO of the Montana Bankers Association. “We don’t just drop it on their door step and hope they use it. We are engaged with them, providing the resources and support that educators need to leverage this program as part of their overall curriculum.”

The platform uniquely tracks the progress and score of every student and provides students who successfully complete the course with Certification in Financial Literacy, a valuable mark of distinction on college applications and resumes.

“From the small rural towns to major cities across the U.S., EverFi technology is transforming how students learn, and we are incredibly grateful for the public-private partnerships that make this possible,” said Ray Martinez, Executive Vice President, EverFi. “The Montana Bankers Association and its partner banks are critical to the success of our mission to ensure that these cutting-edge tools reach all students in Montana.”


PIONEER FEDERAL SAVINGS AND LOAN ASSOCIATION, a mutual thrift charted in 1912, operates offices in Dillon and Deer lodge, Montana.  The Association has 20 full time and 2 part time employees, has approximately $95 million in total assets, and is recognized as a well capitalized institution.

Although specializing in home loan lending, PIONEER FEDERAL SAVINGS AND LOAN ASSOCIATION offers many traditional financial products such as checking accounts, certificates of deposit, IRAs, consumer and home improvement loans.  Our home loan offerings include in house as well as secondary market programs.  Loans are also available for rental properties, second homes and commercial purposes.   Additionally, services such as Internet Banking and debit cards are included in our offerings.  ATMs and Drive up services are available in both locations.

PIONEER FEDERAL SAVINGS AND LOAN ASSOCIATION is a very community oriented financial institution providing quick, local, friendly, personal service to individuals and businesses.  At PIONEER FEDERAL, we do the right thing for the right reasons.  We are community minded like you and believe in investing back into our local communities.




By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC).

Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit http://www.fdic.gov