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Knowledge Base Article

BALANCE Financial Fitness Program

Delta Community is dedicated to helping you realize your financial goals - reducing your debt, saving for higher education, buying your first home, or planning for retirement. Through our relationship with BALANCE, you have easy access to free financial counseling services.

As a member benefit, BALANCE gives you access to confidential , no-cost Money Management Counseling and online courses through the Balance Track program, articles, toolkits, webinars, and fun videos. All you have to do is access their website or make a toll-free phone call.

From budgeting to credit and other personal finance topics, BALANCE certified credit and housing counselors are standing by to answer many of your questions, from how long an item stays on your credit report to whether it's better to lease or buy a car. For more complex issues, such as debt elimination or budget development, an appointment will be scheduled - giving you the personal attention you need to meet your objectives.

If bills have gotten out of hand, your counselor can explain your options for getting out of debt, including a Debt Management Plan - a structured repayment option to help you achieve financial freedom. BALANCE negotiates with creditors to reduce interest and fees so you can pay your debt quickly and efficiently. The plan’s fees are waived to members.

Balance also provides the following assistance:

  • Financial Coach Hotline - toll free 888-456-2227
  • Credit Report Review
  • Money Management Counseling
  • Home Purchase Education
  • Foreclosure Prevention Counseling
  • Identity Theft Solutions
  • Debt Repayment Options
  • BalanceTrack & MyBalance - More information below about this tool
  • Webinars - Different topics each month
  • Service available in Español

To use the new program, simply call 888-456-2227. Counselors are available Monday through Thursday 10:30am to 9pm, Friday 10:30am to 8pm, and Saturday 12pm to 5pm (EST) or visit the Balance website for more information.

Balance Track is your personal finance education program brought to you by Delta Community Credit Union. Modules will guide you through core aspects of personal finance management. Completing these modules will help you move toward sound money management and financial success. Go to the Delta Community’s Balance page to create your personal user name and password. Test your financial knowledge online!

MyBalance helps you take control of your money. By creating a spending plan, you’ll break the debt cycle and use your money for what’s most important to you – retirement, a dream vacation, or a down payment for a house. Once you develop your plan, we’ll provide immediate action steps and tools to make your money work for you. Go to the Delta Community’s MyBalance page to to get started.

We recognize that money concerns have a serious effect on our quality of life. Now, through our newest partnership, you have access to the very best professional guidance - so you can achieve financial security faster than you ever thought possible.