This is a FREE service provided through UNFCU.  It is designed to provide you with the most comprehensive and professional assistance with all aspects of your personal finance. All consultations with a professional counselor are confidential and they are available weekdays, evenings, and weekends for your convenience. No matter where you live, you will find the help you need.
Whether you are interested in developing:

• A workable spending and savings plan 
• Getting out of debt
• Understanding and improving your credit report
• Buying a home  or
• Planning for your financial future, you will get the required assistance, through this program.

You will also find a Financial Education center with articles on a wide variety of credit and financial topics, and a full suite of other online tools and resources that will help assist you in mastering your money.

Credentials & Affiliations
BALANCE ascribes to quality standards that include certification of counselors, audits, and core policies that ensure quality service. All of the counselors are required to successfully complete 160 hours of training and become certified as credit counselors within one year of hire. The certification examination and corresponding study materials were developed in conjunction with Purdue University, and cover consumer protection, spending plans and budgeting, creditor and legal policies and practices, credit and debt management, and counseling principles.

To learn more about BALANCE click here or schedule an appointment to speak to a counselor by calling toll-free 888-456-2227 Monday – Thursday between 05:00 – 20:00 (5 AM – 8 PM), Friday, between 05:00 – 17:00 (5 AM – 5 PM) and Saturday between 08:00 – 17:00 (8 AM – 5 PM) US Pacific Standard Time (PST).