At HRCU, supporting your financial well being goes beyond traditional banking. That’s why HRCU members have access to Balance Financial Wellness, a comprehensive financial education and coaching platform designed to meet you where you are no matter your goals, challenges, or schedule.
Available to all HRCU members free of charge.
A Growing Library of Financial Education Resources
Balance offers an extensive collection of online financial education tools that members can explore anytime. These resources cover every stage of life and a wide range of financial topics, including budgeting, saving, debt management, credit, homeownership, retirement planning, and more.
Members can access:
- Interactive eLearning modules that guide you through financial topics step by step
- Articles, videos, and podcasts that break down complex concepts into easy to understand insights
- Calculators and budgeting tools to help you apply what you learn to your own financial situation
- Downloadable guides and toolkits that support real life decision making
Because these resources are available online, you can learn at your own pace.
Live and On-Demand Webinars
HRCU members also receive access to free financial wellness webinars created and led by Balance experts. These sessions cover timely and practical topics such as improving financial wellness, reducing debt, saving and investing, college planning, and more.
Can’t attend live? Many webinars are recorded, allowing you to watch them later and revisit key takeaways when it’s convenient for you. This flexibility ensures that learning fits into your schedule, not the other way around.
Personalized Learning with BalanceTrack and Budgeting Tools
For members who prefer a more structured experience, Balance offers BalanceTrack, an interactive learning platform that combines education with quizzes and progress tracking. These modules allow you to focus on specific areas such as money management, financing college, or improving credit—without feeling overwhelmed.
Members can also take advantage of tools like online budgeting programs and financial checkups, which help identify strengths, uncover opportunities for improvement, and guide you toward realistic financial goals.
Financial Coaching and Counseling
Sometimes, personalized guidance makes all the difference. Balance provides access to confidential financial coaching and counseling, including support for budgeting, debt management, and long term financial planning. These services give members the opportunity to talk through challenges with a trained professional and receive tailored recommendations.
This combination of self-guided resources and expert support ensures members can choose the level of help that feels right for you.
Target What Matters Most to You
One of the greatest strengths of Balance Financial Wellness is its flexibility. Rather than following a one size fits all path, members can target the specific challenges they’re facing right now like down debt, planning for college, building an emergency fund, or preparing for retirement.
By accessing resources on your own time, you can:
- Focus only on topics that matter to you
- Revisit content as often as needed
- Learn in a low pressure, judgment free environment
- Build confidence gradually through practical education
Financial wellness isn’t a one time goal, it’s an ongoing journey. With Balance Financial Wellness, HRCU members have a trusted, evolving resource they can return to at every stage of life. New content, updated tools, and ongoing educational opportunities ensure that support is always available when you need it most.
Ready to grow your financial knowledge? Visit HRCU's Balance portal.
