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 is offering no-cost, monthly webinars on different financial topics.

Upcoming Webinars:


March – Identity Theft


Identity theft is becoming more common and sophisticated than ever. Webinar participants will learn the methods that identity thieves use to access confidential information, tools for preventing ID theft, and steps to take should identity theft occur.    

Session: Thursday | March 23, 2017 from 6:30 p.m. – 7:30 p.m.
Registration link: https://attendee.gotowebinar.com/rt/2878863768964748548


April – Using Home Equity


Borrowing against your home is a serious financial decision. This webinar will discuss the pros and cons of borrowing against your equity, and also review different ways you can do so.     

Session 1: Tuesday | April 11, 2017 from 11:30 a.m. – 12:30 p.m.
Registration link: https://attendee.gotowebinar.com/rt/7160093760996350468

Session 2: Thursday | April 20, 2017 from 6:30 p.m. – 7:30 p.m.
Registration link: https://attendee.gotowebinar.com/rt/5418072623660526081

May – Understanding Credit


Credit is essential to buying a home, getting a good rate on credit cards, and in some cases – landing a job. But how do you get it? This session covers everything you need to know, including how lenders evaluate your credit, factors that impact credit, credit scoring, and money management tips to improve your score.   

Session 1: Tuesday | May 9, 2017 from 11:30 a.m. – 12:30 p.m.
Registration link: https://attendee.gotowebinar.com/rt/2291861998730387201

Session 2: Thursday | May 18, 2017 from 6:30 p.m. – 7:30 p.m.
Registration link: https://attendee.gotowebinar.com/rt/2291861998730387201

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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