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.


So you’ve decided to apply for a loan to finance your education—but there are so many different options to consider. How do you choose among federal loans (loans funded by the federal government), private loans (loans taken out from a financial institution), or a combination of both? In this webinar, we’ll review the differences between the options so that you can select the loans that are best suited for your individual circumstances.

SIGN UP Session 2: Thursday, February 15, 2018. Time: 8:30 pm - 9:30 pm EDT


Financial health is about so much more than your credit score. True financial health is based on four key components: Spend, Save, Borrow, and Plan. In this engaging webinar, you’ll also get a chance to confidentially determine your own Financial Health Score, and the steps you can take to improve that score.

SIGN UP Session 1: Tuesday, March 13, 2018. Time: 1:30 pm - 2:30 pm EDT

SIGN UP Session 2: Thursday, March 22, 2018. Time: 8:30 pm - 9:30 pm EDT


We all have a “money personality” that impacts our relationship with money, as well as our spending habits. By understanding this, individuals can monitor and adjust their behaviors to make smarter money decisions. This webinar will teach attendees strategies and tactics to decode their personality types, which will help them gain control of their finances.

SIGN UP Session 1: Tuesday, April 10, 2018. Time: 1:30 pm - 2:30 pm EDT

SIGN UP Session 2: Thursday, April 19, 2018. Time: 8:30 pm - 9:30 pm EDT


Credit report scores hold a lot of power. They can help buy that first home but also reduce financial opportunities. This webinar provides an overview of credit bureaus, credit scoring, guidance to dispute inaccuracies, improving credit scores, and dealing with identity theft and fraud. 

SIGN UP Session 1: Tuesday, May 8, 2018. Time: 1:30 pm - 2:30 pm EDT

SIGN UP Session 2: Thursday, May 17, 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)