Financial Counseling from BALANCE

Whether you're interested in developing a workable spending and savings plan, getting out of debt, taking a look at your credit report, buying a home, or planning for your financial future, we wants to help. That's why we've provided access to free and confidential financial counseling and education through BALANCE, a free service to all CCU members.

Balance counselors are available by phone or chat and can assist you with a range of issues from answering a question or two up to working with you over time to help you manage a current financial challenge or to establish short- and long-term financial goals and gain control of your spending. While you do not have to wait for a crisis to contact a counselor, members often use this service for the first time when faced with loss of income due to changes in employment, divorce, or the death of a spouse. Common questions include:

  • I'm having trouble paying my bills and I can't get a consolidation loan. What can I do?

  • How can I design a realistic budget to achieve my financial goals?

  • I just got notice that my wages will be garnished. What can I do?

  • What are my options for getting out of debt?

  • How can I get a copy of my credit report?

  • How can I remove inaccurate information from my credit report?

  • I want to buy a home in the next few years. How can I prepare for that?

  • I am getting a divorce. Who is responsible for bills and how will this affect my credit?

We encourage you to take advantage of this FREE and Confidential member service.  Learn more.