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.

 

NOVEMBER - BREEZING THROUGH THE HOLIDAYS

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

 

DECEMBER - BECOMING A HOMEOWNER

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

 

JANUARY - SAVING WITH PURPOSE

Saving money is much easier with a goal in mind. This workshop shows you how to choose the right goals for you, and overcome barriers to achieving them. 

SIGN UP Session 1: Tuesday, January 8, 2019 Time: 1:30 pm - 2:30 pm EDT

SIGN UP Session 2: Thursday, January 17, 2019. Time: 8:30 pm - 9:30 pm EDT

 

FEBRUARY - YOUR CREDIT SCORE

One of the most important numbers consumers have is their credit score: it affects the ability to purchase a home, buy a car, get a credit card, and other financial decisions—but it can also hinder them. This workshop reviews types of credit scoring models currently used including FICO, Vantage, non traditional, and bankruptcy risk. Participants will understand why these mathematical assessments were developed and how they can use them to their advantage.

SIGN UP Session 1: Tuesday,February 5, 2019 Time: 1:30 pm - 2:30 pm EDT

SIGN UP Session 2: Thursday, February 21, 2019. 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)