BALANCESM Financial Fitness Program

During challenging economic times, your credit union can be your first financial resource. That's why you can access BALANCE, a comprehensive financial education and counseling service, at no charge to you. BALANCE counselors are experts in all aspects of personal finance and credit. And because BALANCE doesn't sell any financial products, you can be sure the information and advice you receive are objective and unbiased.


Attend a Webinar

BALANCE offers no-cost, monthly webinars on different financial topics.


November — Ten Steps to Financial Success

We all measure financial success differently, but all paths to get there require discipline and goals. This session teaches participants ways to financial control—including developing a spending plan, creating objectives, weighing insurance needs, and other tools that will help get on the road to personal financial success.


Session 2: Thursday | November 21, 2019 from 6:30 p.m. – 7:30 p.m.
Register: Ten Steps to Financial Success Session 2

December — Credit Card Makeover: Getting Out of Debt

Credit cards can be a great financial tool, but for some, can lead to debt and financial trouble. This webinar provides an overview of credit card usage, warning signs of credit issues, and options for debt management and reconstructing existing credit.


Session 1: Tuesday | December 3, 2019 from 11:30 a.m. – 12:30 p.m.
Register: Credit Card Makeover: Getting Out of Debt Session 1


Session 2: Thursday | December 12, 2019 from 6:30 p.m. – 7:30 p.m.
Register: Credit Card Makeover: Getting Out of Debt Session 2

January — Are You Financially Healthy?

Financial health is about so much more than your credit score. True financial health is based on four key components: Spend, Save, Borrow, and Plan. In this engaging webinar, you’ll also get a chance to confidentially determine your own Financial Health Score and the steps you can take to improve that score.


Session 1: Tuesday | January 14, 2020 from 11:30 a.m. – 12:30 p.m.
Register: Are You Financially Healthy? Session 1


Session 2: Thursday | January 23, 2020 from 6:30 p.m. – 7:30 p.m.
Register: Are You Financially Healthy? Session 2

February — Drive Away Happy: Car Buying Decisions

Getting a car can be overwhelming and stressful with all the decisions to make: new or used; buy or lease; zero percent financing or rebate (not to mention what color to pick). Participants will learn tips and tricks to have the best car shopping experience possible, while also making wise financing decisions.


Session 1: Tuesday | February 11, 2020 from 11:30 a.m. – 12:30 p.m.
Register: Drive Away Happy: Car Buying Decisions Session 1


Session 2: Thursday | February 20, 2020 from 6:30 p.m. – 7:30 p.m.
Register: Drive Away Happy: Car Buying Decisions Session 2



Money Management Counseling

Schedule a BALANCE telephone counseling appointment anytime throughout the day or evening, weekdays and weekends. Each session lasts about an hour and can be conducted in English or Spanish.


Your counselor will work with you to determine your needs in these areas:

  • Money management
  • Goal setting
  • Budgeting
  • Savings plans
  • Debt repayment
  • Bankruptcy prevention
  • Home purchase
  • Avoiding foreclosure

Each 60-minute session is action-oriented and there is no limit to the number of sessions you can have, all free. After each session, you'll receive a written action plan outlining the options, choices, rights, and responsibilities discussed during your counseling session.


Information Line

Depending upon the amount of assistance you need, your toll-free call may last up to 30 minutes. After your call, you'll receive additional educational material by U.S. mail or email, or you can view and download relevant additional information from the BALANCE website.

Call 888-456-2227 Monday through Thursday 6 a.m. - 9 p.m., Friday 6 a.m. - 6 p.m., or Saturday 9 a.m. - 6 p.m. (MT).

Or you can get started now by sending an email to: info@balancepro.org.

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