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.


April — Identity Theft Solutions

Identity theft is becoming more common and sophisticated than ever. Session 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 1: Tuesday | April 14, 2020 from 11:30 a.m. – 12:30 p.m.
Register: Identity Theft Solutions Session 1


Session 2: Thursday | April 23, 2020 from 6:30 p.m. – 7:30 p.m.
Register: Identity Theft Solutions Session 2


May — Becoming a Homeowner

Homeownership starts well before the contracts are signed—preparation is one of the keys to a smooth home buying process. This webinar covers all major pre-purchase topics such as budgeting, the down payment, credit reports, debt to-income ratios, and the mortgage lending process.


Session 1: Tuesday | May 12, 2020 from 11:30 a.m. – 12:30 p.m.
Register: Becoming a Homeowner Session 1


Session 2: Thursday | May 21, 2020 from 6:30 p.m. – 7:30 p.m.
Register: Becoming a Homeowner Session 2


June — Understanding Credit

Credit: Many want it but how do you get it? This webinar covers all aspects of becoming an educated credit consumer, including how lenders evaluate for credit approval, factors that impact credit qualification, how credit scoring works, and ways money management today impacts credit standing tomorrow.


Session 1: Tuesday | June 9, 2020 from 11:30 a.m. – 12:30 p.m.
Register: Understanding Credit Session 1


Session 2: Thursday | June 18, 2020 from 6:30 p.m. – 7:30 p.m.
Register: Understanding Credit 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.

Are you Financially Fit? Take this simple quiz.
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