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ALERT:

 Here are some Tips to protect you from individuals targeting packages left on your doorstep and the risk of falling victim to online charity scams:

Tip # 1: Charitable Giving Best Practices

  • Carefully investigate any organization before donating
  • Never share personal details, such as credit card or social security numbers, in response to unsolicited charitable requests

Tip #2 – Protecting Against Porch Pirates

  • Track your deliveries
  • Arrange for someone to be present during delivery or using a pick-up location
  • Install a doorbell camera

Visit the MCU Security & Fraud Alerts page, and stay vigilant this holiday season.

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Balance Program

Make Knowledge Your Financial Superpower.

We’ve partnered with BALANCE —an industry leader in financial education — to offer you complimentary access to a library of resources and educational tools designed to assist you reach your financial goals. Additionally, if the need arises, BALANCE is available to provide you confidential, no-cost financial counseling services, aiding you in creating a practical budget to manage spending and debt.

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Get 1:1 Financial Counseling, Free with Your MCU Membership.

MCU members enjoy exclusive access to personalized financial guidance, including debt counseling, homeownership counseling, credit report review, and more. Don’t miss out on this premium feature! Call 888-456-2227 to connect with a BALANCE financial counselor today.
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credit-report-review

Credit Report Review

BALANCE counselors can review your credit report and answer questions about credit scoring, building a strong credit history and correcting any inaccuracies that appear. 

Borrowing to pay for college is the easy part. Repaying the debt is much harder. To know which options are best for you, your career prospects and your budget, it helps to have access to an expert who can guide you through the complexity of the various programs, explain your options under each, and take into account the context of your financial circumstances.

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Homeownership Coaching

Housing can be an overwhelming subject to tackle on your own, whether you are dreaming of owning your first home, or struggling to make mortgage payments on your current home. BALANCE counselors are readily available to help you make sense of it all.

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Rental Coaching

Specialized rental counselors will help you develop a personalized spending plan and provide you with advice for saving money, increasing income, and reducing debt. BALANCE counselors will work with you to review:

  • Why credit matters
  • Calculating an affordable rent payment
  • Common landlord requirements
  • Understanding lease agreements
  • Basic tenant rights and affordable housing options

Improve Your Financial Literacy with BALANCE.

Even those best suited for financial success can often have blind spots. Learning in your free time is a great place to start. Cover some basics or dive deep with these financial tools—all included with your MCU membership.
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Debt Management

Discover strategies for getting out of debt (and staying debt-free) with toolkits and counseling resources designed to help you manage your money smarter.

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BalanceTrack

BALANCE’s BalanceTrack program features comprehensive educational modules that are designed to help anyone learn the basics of personal finance.

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Livestreams and Webinars

Attend free, live money management webinars led by financial experts. Or, watch them on-demand whenever you have a free moment.

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Online Tools

Access financial education anytime you need it. Increase your know-how with articles, financial calculators, videos, checklists, quizzes, and more.

Your Path to Financial Fitness Starts Here.

Learn from articles, videos, podcasts, booklets, and worksheets. Hone your skill set on checklists, calculators, and toolkits. When it comes to financial literacy, everyone has blind spots. What matters is growing your knowledge so day-to-day banking is a breeze.
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FAQs

Get Answers to Our Most Frequently Asked Questions.

Do I have to subscribe to a premium membership?

No, as a member of MCU, you have free access to the BALANCE Fitness Membership. This includes online tools, debt management, and complimentary webinars to help you achieve and maintain your financial fitness goals.

Can I access the BALANCE program any time?

Yes, you can digitally access your account whenever and wherever you need.

How do I make the most out of my BALANCE access?

No matter your stage in life, our partnership with BALANCE can help you accomplish your financial goals, and we suggest you go one step at a time. Whether receiving debt management guidance or attending financial planning webinars, you have access to a wealth of resources that can help you build a solid financial future.
Municipal Credit Union has an agreement with BALANCE to offer financial education to our membership. BALANCE is an industry leader in providing financial education and counseling to help our members build a better financial future.
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