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.


Credit is essential to buying a home, getting a good rate on credit cards, and in some cases - landing a job. But how do you get it? This session covers everything you need to know, including how lenders evaluate your credit, factors that impact credit, credit scoring, and money management tips to improve your credit.

SIGN UP Session 1: Tuesday, May 9, 2017. Time: 1:30 pm - 2:30 pm EDT

SIGN UP Session 2: Thursday, May 18, 2017. Time: 8:30 pm - 9:30 pm EDT


A credit score can significantly impact your life. It can improve your chances of purchasing a home, buying a car, getting a credit card and more - but it can also hinder them. This webinar reviews common credit scoring models, 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, June 6, 2017. Time: 1:30 pm - 2:30 pm EDT

SIGN UP Session 2: Thursday, June 15, 2017. Time: 8:30 pm - 9:30 pm EDT


No matter how you define financial success, the paths to get there require discipline and goals. This workshop teaches participants ways to control their finances. Topics include developing a spending plan, creating objectives, weighing insurance needs, and other tools that will put you on the road to personal financial victory.

SIGN UP Session 1: Tuesday, July 11, 2017. Time: 1:30 pm - 2:30 pm EDT

SIGN UP Session 2: Thursday, July 20, 2017. 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)