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Financial Stability

Poverty doesn't have to be permanent.

Too many children and their hardworking parents know too well what it’s like to live without. Without food or a place to call home. Without a job that offers advancement opportunities. Without a doctor. Without the knowledge that college is an option. Without opportunity.

Poverty is a small word that weighs heavily on the shoulders of many Frederick County residents - too many of our neighbors have to make the impossible choice between paying rent and putting food on the table.

This challenge is bigger than lifting families just above the poverty line. Families need more than the minimum wage to move forward and achieve financial stability. 

Our goal

In 2008, United Way initiated an ambitious 10-year plan to cut in half the number of lower-income families who are financially unstable.

Our strategy

United Way helps create a pathway to financial stability by equipping people with tools to get and keep better jobs, keep more of what they earn, and save for their children’s futures. In conjunction with the Housing Authority of the City of Frederick, United Way of Frederick County proudly runs the Prosperity Centerwhere we offer educational resources, including the following:


We fund community partners’ programs that provide post-secondary skills training and credentials that lead to better paying jobs.


We provide financial literacy courses about budgeting, debt reduction, and credit monitoring/improvement through programs at the Prosperity Center, as well as simple strategies online to help more families get, manage, and protect their money.


We build direct connections between hardworking applicants and prospective employers through United Way-funded work readiness programs by our community partners.


We connect low-income families with IRS-certified tax preparers to maximize their year-end refunds and create a foundation for savings through our Prosperity Center VITA site. To volunteer, please go here.

Having you on our team is critical in making Frederick a better place to live for all.



Your generosity directly funds the programs that produce life-changing results in the community.



Join our corps of United Way volunteers and change someone's story by becoming a volunteer tax preparer or budget coach. You can also participate in the Poverty Simulation.