Our hearts go out to all of those affected by Hurricane Florence.

If members need assistance due to a financial emergency, property loss, or another urgent money issue created as a result of the storm, we’re happy to offer these special services:

  • Priority-caller status. Members who have been impacted by the hurricane will receive priority status when they call BALANCE. We’ll do our best to rush their calls to the front of the holding queue, and get them the help they need ASAP.

    Members can call our Financial Relief Hotline at (888) 262-4327 

  • Personalized counseling. Our financial counselors are experts when it comes to dealing with fallout from a natural disaster. Whether members need to budget after a crisis, recover from losing a home, or contact creditors, we offer one-on-one assistance.

  • Online resources. Storm victims can research action steps online with these thorough and helpful resources:

While we can’t change the outcome of the storm, we’re ready to help members get their financial lives back on track.

Your Path to Financial Fitness Starts Here

At Bayer Heritage FCU, 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. And should you need, 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.

Free Webinars

We're very excited to announce our free upcoming webinars! Reserve your virtual seat today.


Today's youth generation is tech-savvy and connected online. However, parents still play an important role in helping them avoid online hazards such as identity theft, privacy and cyber-bullying. This workshop covers important issues including online privacy tips, managing computer settings, smartphone apps, and positive online behavior.

SIGN UP Session 1: Tuesday, October 9, 2018 Time: 1:30 pm - 2:30 pm EDT

SIGN UP Session 2: Thursday, October 18, 2018. Time: 8:30 pm - 9:30 pm EDT


It may be called “the most wonderful time of the year” but December can also be filled with unwanted debt with holiday spending. Learn budgeting strategies and tactics to avoid that year-end credit card crunch and sidestep debt traps in the future.

SIGN UP Session 1: Tuesday, November 6, 2018 Time: 1:30 pm - 2:30 pm EDT

SIGN UP Session 2: Thursday, November 29, 2018. Time: 8:30 pm - 9:30 pm EDT



Home ownership starts well before the contracts are signed - preparation is one of the keys to a smooth home buying process. This session covers all major pre-purchase topics such as budgeting, the down payment, credit reports, debt-to-income ratios, and the mortgage lending process. 

SIGN UP Session 1: Tuesday, December 4, 2018 Time: 1:30 pm - 2:30 pm EDT

SIGN UP Session 2: Thursday, December 13, 2018. Time: 8:30 pm - 9:30 pm EDT


Check out the newly redesigned BALANCE website to access free programs and resources to guide you toward financial success.

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)