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Cal U Region


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The Personal Finance Lab

Learning Starts Here!

Learning made easy!  The Learning Management System contains over 600 lessons, articles, videos, interactive calculators, glossary terms, and a semester course. These cover a wide range of topics including, personal finance, investing, economics, social studies, business with quizzes.  Download the Personal Finance Lab's Curriculum Overview.  

Let the Games Begin!  PennCFL will continue the successful Stock Market Competitions for elementary, middle, and high schools.  These comprehensive financial programs and competitions are held each semester with more than $10,000 in annual prizes for students and teachers.   Sponsored Counties have the most awards.  

Life happens!  Learning begins!  In the Budget Game, students learn to manage their checking, savings, and credit card accounts, deal with life’s expected and unexpected events, and try to increase their emergency fund, credit score, net worth, and overall game score.  They also work through the lessons for a complete learning experience!   

Entrepreneurship!  Students will research, write, and present their business ideas via a video “pitch.” Our curriculum jump-starts minds, fosters critical thinking, financial literacy, and risk management skills. Elevator speeches are uploaded to our portal, where they are rigorously reviewed. Generous prizes are awarded to the victors.

Photo - Dershem and Miff Bank Amber - July 30 2020.JPG
Photo - Dershem and Miff Bank Amber - July 30 2020.JPG
Photo - Dershem and Miff Bank Amber - July 30 2020.JPG
Sponsored Schools

Allegheny County
Allegheny Valley, Avonworth, Baldwin-Whitehall, Bethel Park, Brentwood Borough, Carlynton, Chartiers Valley, Clairton City, Cornell, Deer Lakes, Duquesne City, East Allegheny, Elizabeth Forward, Fox Chapel Area, Gateway, Hampton Township, Highlands, Keystone Oaks, McKeesport Area, Montour, Moon Area, Mt Lebanon, North Allegheny, North Hills, Northgate, Penn Hills, Pine-Richland, Pittsburgh, Plum Borough, Quaker Valley, Riverview, Shaler Area, South Allegheny, South Fayette Township, South Park, Steel Valley, Sto-Rox, Upper Saint Clair, West Allegheny, West Jefferson Hills, West Mifflin Area, and Wilkinsburg Borough School Districts along with other private school in the county.

Greene County
Carmichaels Area, Central Greene, Jefferson-Morgan, Southeastern Greene, West Greene School Districts, and private schools in the county.​

Fayette County
Albert Gallatin Area, Brownsville Area, Connellsville Area, Frazier, Laurel Highlands, and Uniontown Area School Districts along with private schools in the county.​

Washington County
Avella, Bentworth, Beth-Center, Burgettstown, California, Canon Mac, Charleroi, Chartiers-Houston, Fort Cherry, McGuffey, Peters Township, Ringgold, South Fayette, Trinity and Washington School Districts along with private schools in the county.

Westmoreland County
Belle Vernon Area, Burrell, Derry Area, Franklin Regional, Greater Latrobe, Greensburg Salem, Hempfield Area, Jeannette City, Kiski Area, Ligonier Valley, Monessen City, Mount Pleasant Area, New Kensington-Arnold, Norwin, Penn-Trafford, Southmoreland, and Yough School Districts along with private schools in the county.

Current Quarter and Semester Game Dates

In the Spring, we celebrate with extra special local/county middle and high school competitions  

Spring Full Semester Prizes per County*

First Place - $100 - top game, $25 teacher

Second Place - $50 game, $20 teacher

Third Place - $30 game, $15 teacher

*Must be active games, no cash only portfolios​

If you are ready to create a sponsorship relationship which exceeds your goals and gives you the chance to become a part of our growing, passionate organization, contact us at or call 570-975-5149.

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