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 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. Register for a free user account or log in to get started.
You can use BALANCES’s MyBalance 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.
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.
Debt and Budget Coaching
If bills have gotten out of hand, your counselor may be able to arrange for Debit and Budget Coaching, as well as 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.
Credit Report Review
Your counselor is a certified credit report reviewer and knows their stuff. They are your financial guru, here to give you the right guidance and support, whatever your financial situation. We can review your credit report and answer questions about credit scoring, building a strong credit history and correcting any inaccuracies that appear. After the call, our counselors can provide additional education materials on an array of topics tailored to meet your needs.
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. If you are interested in keeping up on the latest tips for protecting your sensitive data and mastering your finances, be sure to bookmark the toolkit, follow BALANCE on Twitter, and friend BALANCE on Facebook.
BALANCE Resources: Videos, Podcasts, Calculators and more
BALANCE is an industry leader, providing you with free access to expertly-crafted financial education and resources to help with your fiscal matters. You’ll find resources like informative articles, videos, podcasts, booklets, newsletters, toolkits, and calculators that you can search based upon keyword or your financial life stage. In partnership with BALANCE, we are here to help.
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).