Free financial counseling for EFCU members is available through our partnership with BALANCE.

 Financial Counselors

Certified financial counselors can help you develop a family budget or short and long term strategies to meet goals and overcome challenges. Counselors are also available to help you set up a Debt Management Plan. They will review your credit report with you to help you understand the information reported, and can give you guidance on correcting errors and improving your credit score. To speak with a BALANCE counselor, call 888.456.2227.
(Available Monday-Thursday 7am-7pm CST, Saturday 10am-7pm CST)

 Financial Education Resources

Whether you are starting school or planning your retirement, BALANCE offers variety of financial educational programs and resources including videos, podcasts, articles and more. Register for a free account at BALANCE today and start learning ways to better manage and protect your finances.
Visit BALANCE


 Upgrade to Premium Checking

You may be eligible for a Premium Checking Account after managing your Basic Checking Account in a responsible manner for at least 1 year and by successfully completing the Get In Balance program and one other BALANCE educational program with scores of 80% or higher. In order to complete the programs you must first register for a free account at BALANCE. Once you have registered an account with BALANCE, login and scroll to the bottom of the 'Programs' page to review the "Get In Balance" program and take the quiz.
Get in BALANCE


 Requesting a SAFE Loan

Members seeking a second S.A.F.E. loan are required to take the Free Debt and Budget Coaching Program. To enroll call 888.456.2227.
( Monday-Thursday 7am-7pm CST, Saturday 10am-7pm CST)
This course is not offered online.