Welcome to BALANCE, a Financial Fitness Program.

Whether you're interested in developing a workable spending and savings plan, getting out of debt, taking a look at your credit report, buying a home, or planning for your financial future, Spectrum Federal Credit Union wants to help. That's why we've provided access to free and confidential financial counseling and education through BALANCE.



Click on any of the services below for detailed information, or click here to browse our educational materials, newsletters and financial calculators.

Toll-free information line
Get your financial questions answered immediately by a certified counselor.

Money management counseling
Take a close look at your current spending and savings plan and develop a plan of action to meet your financial goals.

Debt management
If the bills are starting to pile up, our counselors can review your options for repaying the debt, and even provide a structured repayment plan.

Credit report review
A counselor will review your report with you, making sure you know your rights. BALANCE can even provide a low-cost credit report.

Housing counseling
Buying a home is one of the biggest financial commitments you'll ever make; counselors can help you make a plan to ensure you're armed with all the knowledge you'll need.

For information on how your organization can partner with BALANCE, go to balancepro.org.