SANTA CRUZ BRANCH TEMPORARILY CLOSED TODAY (9/30). You may continue to use the Night Deposit box or any of the ATMs at this location. For immediate needs, please use our Soquel Branch. We apologize for any inconvenience this may cause.

Financial Counseling

In partnership with BALANCE, we offer free, trusted financial counseling and guidance to members to help them build a stronger financial future.

Click on each of the following counseling options available to learn more.


While there are hundreds of “debt counseling” organizations across the country, BALANCE provides comprehensive money management education and debt counseling to members with certified financial counselors.

To speak with a counselor, call toll-free 1-800-777-PLAN (7526).
Monday–Thursday 7:30 a.m. – 6 p.m., Friday 7:30 a.m.–5 a.m., or Saturday 9 a.m.–2 p.m. (Pacific Time)

Get more details about Debt and Budget Counseling.

 
BALANCE counselors will help you review your credit report and answer any questions you may have about credit scoring, building a strong credit history and correcting inaccuracies that may appear on your report.  

To speak with a counselor, call toll-free 1-800-777-7526.
Monday–Thursday 7:30 a.m. – 6 p.m., Friday 7:30 a.m.–5 a.m., or Saturday 9 a.m.–2 p.m. (Pacific Time)

Get more details about the Credit Report Review.
 
The housing experts at BALANCE can help give you the guidance you need when you’re ready to buy your first home, or struggling to may payments on your current home. They offer members assistance in the following areas:
 
  • Pre-Purchase Counseling – to prepare you for the added expenses and responsibilities of owning a home through a household budget and explaining the homeownership process.
  • Foreclosure Prevention – a HUD-certified counseling agency to help you understand your options.
  • Reverse Mortgage Counseling – educated seniors as to the benefits, consequences and process of obtaining a reverse mortgage.

Get more details about Homeownership Counseling.
Borrowing to pay for college is the easy part. Repaying the debt is much harder. BALANCE Credit Counselors are expert student loan professionals who will work with you to:
 
  • Provide a comprehensive review financial picture, including your federal student loans.
  • Evaluate which repayment and/or postponement options are available to you.
  • Determine how to address defaulted student loans, if applicable.
  • Determine whether consolidation is a good option, if applicable.

To speak with a counselor, call toll-free 1-800-777-7526.
Monday–Thursday 7:30 a.m. – 6 p.m., Friday 7:30 a.m.–5 a.m., or Saturday 9 a.m.–2 p.m. (Pacific Time)

Get more details about Student Loan Counseling.
BALANCE offers free education on building credit and becoming a desirable tenant. You’ll work with an expert to help you develop a personalized spending plan and learn ways to save money, increase your income and reduce debt. Additionally, you’ll gain a basic understanding of lease agreements, common landlord requirements, and your basic rights as a tenant.

For more information or to schedule a free rental counseling session, call 1-800-777-7526.
Monday–Thursday 7:30 a.m. – 6 p.m., Friday 7:30 a.m.–5 a.m., or Saturday 9 a.m.–2 p.m. (Pacific Time)

Get more details about Rental Counseling.

   LIVE EVENTS/WEBINARS

 

 

Webinar

Webinar: October 13
Retirement Planning: The Basics
Register here   

Webinar

Webinar: October 22
Retirement Planning: The Basics
Register here 

  RELATED INFORMATION

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