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:

May – Solving the Mystery of Credit Reports


Credit report scores hold a lot of power. They can help buy that first home but also reduce financial opportunities. This webinar provides an overview of credit bureaus, credit scoring, guidance to dispute inaccuracies, improving credit scores, and dealing with identity theft and fraud.  

Session 1: Tuesday | May 8, 2018 from 11:30 a.m. – 12:30 p.m.
Registration link: https://attendee.gotowebinar.com/

Session 2: Thursday | May 17, 2018 from 6:30 p.m. – 7:30 p.m.
Registration link: https://attendee.gotowebinar.com/

June – Basics of Personal Finance


From managing daily expenses to investing for retirement, this webinar helps you set personal finance goals, learn the basics of smart money management, and build a solid financial foundation for the future.

Session 1: Tuesday | June 5, 2018 from 11:30 a.m. – 12:30 p.m.
Registration link: https://attendee.gotowebinar.com/

Session 2: Thursday | June 14, 2018 from 6:30 p.m. – 7:30 p.m.
Registration link: https://attendee.gotowebinar.com/

July – Using Credit Cards Wisely


A credit card can be a valuable financial tool. However, before racking up big charges on multiple cards, this webinar will teach smart ways to handle your credit cards and take a disciplined approach.

Session 1: Tuesday | July 10, 2018 from 11:30 a.m. – 12:30 p.m.
Registration link: https://attendee.gotowebinar.com/

Session 2: Thursday | July 19, 2018 from 6:30 p.m. – 7:30 p.m.
Registration link: https://attendee.gotowebinar.com/

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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