Your Path to Financial Fitness Starts Here
We care about your financial wellness. That’s why we’ve partnered with industry-leading BALANCE to provide you with free access to expertly-crafted financial education and resources to help with your fiscal 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.
To speak with a counselor, call toll-free 888-456-2227. Monday–Thursday 5 AM–8 PM, Friday 5 AM–5 PM, Saturday 8 AM–5 PM (Pacific Time)
FREE WEBINARS
We're very excited to announce our free upcoming webinars! Reserve your virtual seat today.
March - 21 Ways to trim your budget
Stretching your budget is a necessary step to achieving your financial goals. Learn smart ways to save on the things that impact your finances most, such as food, health care, insurance and more.
Session 2: Thursday, March 12, 5 pm EST
April - Are you financially healthy?
We'll talk about what it means to be financially healthy - which is so much more than just your credit score. True financial health is based on four key components: Spend, Save, Borrow, and Plan. You'll also confidentially determine your Financial Health Score and the steps to improve that score.
Session 1: Tuesday, April 7, 1:30pm EST
Session 2: Thursday, April 16, 5 pm EST
May - becoming a homeowner I - preparing for homeownership
Buying a home is one of the biggest financial decisions you'll ever make - and preparation is key. This session focuses on helping you understand what it takes to be ready for homeownership, from assessing your financial situation to navigating the pre-purchase process. You'll gain the tools and knowledge you need to confidently take your first steps toward owning a home.
Session 1: Tuesday, May 5, 1:30pm EST
Session 2: Thursday, May 14, 5 pm EST
June - becoming a homeowner II - THe mortgage & buying process
Once you're financially ready, the next step in becoming a homeowner is understanding the mortgage and homebuying process so you can make confident, informed decisions. This session walks you through everything from comparing mortgage options to making an offer and closing on your home. You'll learn how to avoid common mistakes and ensure your purchase supports your long-term financial health.
Session 1: Tuesday, June 2, 1:30pm EST
Session 2: Thursday, June 11, 5 pm EST
July - Mindful budgeting: aligning spending with your values
Everyone wants more control over their financial life - and the key to getting there is a budget. In this session, you'll discover how to build a realistic spending plan that works for your lifestyle, supports your goals, and helps you stay on track. Participants will learn how to set short- and long-term financial goals, allocate income intentionally, and create a budget that sticks.
Session 1: Tuesday, July 7, 1:30pm EST
Session 2: Thursday, July 16, 5 pm EST
raising financially mindful teens
The teen years are a critical time for developing financial independence. This workshop supports parents and teens in navigating real-world money decisions such as spending, saving, earning, and credit awareness. Through practical tools and guided discussion, participants learn how to foster confidence, responsibility, and mindful financial decision-making.
Session 1: Tuesday, August 4, 1:30pm EST
Session 2: Thursday, August 13, 5 pm EST
buy it or lease it? driving through your options
Purchasing or leasing a vehicle is a decision that impacts your budget, lifestyle, and long-term financial goals. In this informative workshop, we'll navigate the pros, cons, and hidden considerations behind each choice. Whether you're looking for a personal car or an upgrade, you'll gain the insights you need to make a confident, informed decision.
Session 1: Tuesday, September 1, 1:30pm EST
Session 2: Thursday, September 10, 5 pm EST
Tap into wise credit card use
Credit cards are part of everyday life but using them well requires more than knowing the basics. This session helps participants understand the habits that shape their spending - and how small changes can make credit cards works for them, not against them. This session offers clear guidance, practical tips, and simple ways to build healthier credit behaviors that support long-term financial confidence.
Session 1: Tuesday, October 6, 1:30pm EST
Session 2: Thursday, October 15, 5 pm EST
the sandwich generation: strategies for multigenerational caregivers
Caring for both children and aging loved ones can strain time, finances, and emotional wellbeing. This workshop helps multigenerational caregivers understand competing financial demands, plan proactively, and access resources. Participants learn strategies to reduce stress, set boundaries, and support stability for themselves and their families.
Session 1: Tuesday, November 10, 1:30 pm EST
Session 2: Thursday, November 19, 5 pm EST
unwrapping the holiday scam season
Scammers are especially active during busy and high-spending times of year. This engaging workshop helps participants recognize common seasonal scams, understand red flags, and protect themselves during the holidays. Through real-world example and practical prevention tools, participants learn how to stay alert, avoid fraud, and enjoy the season with greater peace of mind.
Session 1: Tuesday, December 1. 1:30 pm EST
Session 2: Thursday, December 10, 5 pm EST
Repos & foreclosures
Get in on those deals! To view any vehicle or property, contact the Collections Department at 304-455-4029 x 1480. CU Owned Property
Making a difference
Positively impacting our community is important to us. We host fund raising events for the Children's Miracle Network and participate in many community outreach activities.
Anytime onLine Skip-A-Payment
BHFCU now offers Anytime Online Skip-A-Payment! (You may only skip a payment once every 6 months.) . Apply and Sign Online Today!
