Balance Financial Counseling

Balance is a FREE financial counseling service for UCU members that provides:

  • Money Management Counseling – get your budget in shape
  • Debt Management Plan – assistance when making payments is getting tough
  • Credit Report Review – find out what’s on your report
  • Housing Education – info on budget and purchase basics
  • BalanceTrack Courses personal financial education center

University Credit Union will help you achieve your financial goals, whether it means getting out of debt, sending the kids to college, buying your first home, or retiring. A great UCU membership benefit is access to FREE personal finance counseling six days a week.

Through Balance, members receive free, unbiased information and confidential assistance. To use the services, simply call toll free 1-888-456-2227. Counselors are available Monday through Thursday, 5 a.m. to 8 p.m. (PST), Friday, 5 a.m. to 5 p.m. and Saturday, 8 a.m. to 5 p.m.

Members can go online at Balance to get more details. The site contains debt management information as well as worksheets to help you with budgeting concerns.

In many cases, Balance counselors can answer your questions immediately. For complex issues, like debt problems or budget issues, an appointment will be scheduled allowing enough time to go over your budget and discuss your options.

Debt Management

Balance counselor may be able to arrange a debt management plan. On your behalf, the counselor would negotiate with creditors to reduce payments, interest charges and fees as you work toward paying off your debt. (As a member of UCU, the administration fee of $20 for these services is waived.)

Get a FREE copy of your credit report from AnnualCreditReport.com and Balance will review it with you FREE.  Balance representatives are certified to review your report and knowledgeably provide report details. Please call Balance for more details. Additional charges may apply if you want a credit report directly from Balance.

UCU understands that personal finance affects all of us every day. Fortunately, everyone can achieve financial fitness with determination and a little professional guidance. By using Balance, UCU will help you master your money.

Disclaimer:  Balance is a service provided as a benefit for members and is not affiliated with University Credit Union.