The agency offers both financial education workshops and one-to-one counseling in an effort to assist low-income families and individuals in becoming more financially self-sufficient.  Families who learn to budget their income and expenses, and who learn to use credit wisely, can increase their assets through savings. Call (301) 334-9431 for further information or to speak with a financial counselor.


 Did you know?

Did you know that regardless of your income level it is important to have a household budget?   GCCAC offers free one-on-one financial counseling for people that may need a little help in setting up and sticking with a budget.

Click here to start your household budget today!


Individual Development Accounts (IDAs)

IDAs are special savings accounts which are opened by income-eligible applicants for the purposes of saving money to purchase a home, continue their education, or start a small business. IDAs are assets that families build by saving money. Once they have saved money for 6 months in the IDA, they are then eligible for a savings match of 4-to-1 (for a max of $4,000.00) to purchase a home, or 8-to1 to start a small business or continuing education (for a max of $4,000.00), through a program administered by GCCAC. They then use this asset to purchase other wealth building assets such as homes, an education or a business. The amount of savings in an IDA is matched on a 4-to-1 basis, up to a savings total of $1,000 for purchasing a home. The amount of savings in an IDA is matched on a 8-to-1 basis, up to a savings total of $500 for continuing education or starting a small business. So, if a participant saves $1,000, that amount is matched by another $4,000 for a total amount of $5,000 at the end of a 6 month period for purchasing a home. If a participant is saving for Continuing Education or starting a Small Business, the participant saves $500 and GCCAC will match it with $4,000.00 for a total of $4,500.00. For more information, please call (301) 334-9431. Ask for the Financial Education Counselor.
Did you know?
IDA savers are 35% more likely to own a home, nearly twice as likely to attend college, and 84% more likely to own a business.
More than half of program graduates who previously received public assistance no longer receive assistance after completing the program.
Prior to enrollment, 90% of IDA savers did not use direct deposit and more than half did not have a savings account
Children of parents in IDA programs also developed and maintained savings patterns.


GCCAC Mission Statement
The mission of
Garrett County Community Action Committee, Inc., is to improve the quality of life for people in need by empowering them to become more self-sufficient and by providing essential services in collaboration and cooperation with partners

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Did you know?... All donations are tax deductible!

(301) 334-9431
Hours: M - F
8:30am to 4:30pm


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