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. 


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 2: Thursday, February 21, 2019. Time: 8:30 pm - 9:30 pm EDT

 

MARCH - REBUILDING AFTER A FINANCIAL CRISIS

A job loss, a medical crisis, or other hardship can send a normal financial situation into a tailspin. Participants will learn how to get their finances back on track, including budgeting, repaying debt, rebuilding credit, establishing emergency savings, and replenishing retirement savings.

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

SIGN UP Session 2: Thursday, March 14, 2019. Time: 8:30 pm - 9:30 pm EDT

 

APRIL - UNDERSTANDING CREDIT

Credit: Many want it, but how do you get it? This session covers all aspects of becoming an educated credit consumer, including how lenders evaluate for credit approval, factors that impact credit qualification, how credit scoring works, and ways money management today impacts credit standing tomorrow.

SIGN UP Session 1: Tuesday, April 9, 2019 Time: 1:30 pm - 2:30 pm EDT

SIGN UP Session 2: Thursday, April 18, 2019. Time: 8:30 pm - 9:30 pm EDT

 

MAY - STOCK MARKET BASICS

Many financial planners say it’s wise to invest your savings in the stock market rather than leave your money in a low-interest account. Before you jump into the stock market, it’s important to know that investing in stocks comes with risks. This workshop provides the basics needed to get a clear understanding of the stock market, the risks involved, ways to reduce risks, how to buy stocks, and how to maintain your account.

SIGN UP Session 1: Tuesday, May 7, 2019 Time: 1:30 pm - 2:30 pm EDT

SIGN UP Session 2: Thursday, May 16, 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)