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BALANCE Financial Fitness Program
Reach Your Financial Goals
Patriot Federal Credit Union is dedicated to helping you realize your financial goals–reducing debt, saving for higher education, buying your first home, or planning for retirement. Which is why through our partnership with the BALANCE Financial Fitness Program, you have access to the very best professional guidance to achieve financial security faster than you ever thought possible.

BalanceTrack
OnTrack
FREE Financial Counseling
Debt Management
Identify Theft Toolkit
Contact BALANCE
BALANCE online calculators

BalanceTrack
BalanceTrack is an online personal finance education program that will guide you through the core aspects of financial management. As education modules, you will learn about many topics including money management, credit reports, checking account management, home ownership, auto loans, identity theft and more. To find out more click here.

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OnTrack
You can use Balance's OnTrack self-guided web-based tool developed to assist you through the sometimes challenging steps of creating a budget that is realistic, livable, and accurate. The online tool is free and will guide you step-by-step through the process of determining living expenses relative to income and debt. Throughout the module, as you create a budget, you will find tools for tracking expenses, tips for taking control of personal finances, direction on reducing debt, and education specific to your areas of challenge. To start, click here.

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FREE Financial Counseling
Through BALANCE, you have access to free, unbiased money management advice and resources. BALANCE certified financial counselors can answer many of your questions immediately–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.

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Debt Management
If bills have gotten out of hand, your counselor may be able to arrange a Debt Management Plan. BALANCE counselors negotiate with creditors to reduce your interest and fees so you can pay your debt down quickly and efficiently. As a member of Patriot Federal Credit Union, the program's monthly administration fee of $35 is waived.

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Identity Theft Tool Kit
You could spend a good chunk of your free time each week brushing up on the ways criminals are trying to steal your information and you still wouldn’t be aware of all the devious tricks they are using. Instead of worrying yourself silly over identity theft, focus your energy on learning about how it happens, how to prevent it, and how to recover from it should you need to. The resources in this toolkit are designed to help you gain the knowledge and skills you will need to make your information safer. To find out more, click here.

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Contact BALANCE
Take advantage of all BALANCE has to offer today! Simply call 888-456-2227. Counselors are available Monday through Thursday 8:00 am to 11:00 pm, Friday 8:00 am to 8:00 pm and Saturday 11:00 am to 8:00 pm (EST).

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BALANCE Online Calculators
As a member of Patriot Federal Credit Union, you have access to BALANCE online calculators to help you understand Home and Personal financing, Investments, Retirement and Leasing.

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Toll Free (888) 777-9982
800 Wayne Avenue • Chambersburg • PA 17201
© 2014 Patriot Federal Credit Union