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BALANCE

BALANCE

At DCU, we care about your financial wellness.

Leverage the BALANCE Financial Education Program

At DCU, we care about your financial wellness. That’s why we’ve partnered with the industry-leading non-profit organization BALANCE to provide you with free access to expertly-crafted financial education and resources to help with your financial matters. BALANCE can assist with confidential, no-cost financial counseling services to help you develop a sensible budget, managing spending and debt. For all your financial life stage changes and more, we—in partnership with BALANCE—are here to help.

Financial Counseling Services:

BALANCE Certified Counselors.  Have money management or credit questions? BALANCE’s Certified Counselors are standing by with answers.

Debt and Budget Counseling Program.  Speak with a Certified Credit Counselor and create an action plan to reach your financial goals or get back on track.

Credit Report Review Program.  A BALANCE Certified Credit Counselor will guide you through your credit report, recommended ways to improve your credit report and show you how to correct inaccuracies.

Homeownership Coaching Program.  BALANCE Certified Counselors provide comprehensive pre-purchase housing education. Topics include review of your current financial situation, review of credit history, mortgage options and much more. BALANCE will help you take the next step toward homeownership.

Debt Management Plan.  If you’re overwhelmed with debt a counselor can help you explore your options for repayment and work directly with your creditors on your behalf.

Foreclosure Prevention Counseling.  If you’re struggling with mortgage payments or fear you may be unable to pay in the future, BALANCE is a HUD-certified counseling agency and can help you understand all your options. A counselor at BALANCE can provide early delinquency intervention counseling and can explore your options or even help you put a plan into action.      

Basics of Personal Finance:

Do you have questions about your current financial situation or future goals?
Call BALANCE toll-free at 888.456.2227 to speak with a Certified Counselor about topics, such as:

  •  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?
  • My child will be going to college in a few years. How can I plan for it now?
  • How can I remove inaccurate information from my credit report?
  • I want to buy a home in the next few years. What can I do to be financially-prepared?
  • I am getting a divorce. Who is responsible for bills and how will this affect my credit?
  • What do lenders look at when approving a mortgage loan application?

Online Educational Resources:

Mastering your money just got easier with the library of educational resources on the BALANCE website. You’ll find short articles on a wide range of personal finance topics. You’ll also find more in-depth programs and podcasts on topics ranging from money management to identity theft, to planning for the future. Want to know how long it will take to pay off your credit card, or how much you need to save per paycheck to get a down payment for a house? Use the financial calculators to get answers.