Merced School Employees Federal Credit Union

Merced School Employees Federal Credit Union
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Balance Financial Fitness

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Keeping your balance in the world of finance can be difficult. That's why we have partnered with BALANCE, a Financial Fitness Program that makes it easy for you to get on top of your financial situation. With the BALANCE Financial Fitness Program, you have access to confidential, money management information and counseling, and it's free as a benefit of your MSEFCU membership.

BALANCE is completely free and confidential. Services offered include:

  • Debt and Budget Coaching – BALANCE credit counselors will review your situation and help you develop a repayment plan that will work for you.
  • Credit Report Review – A credit counselor will help you understand your credit report, how it affects you, and what your rights are.
  • Homeownership Coaching – Want to purchase a home? Let the BALANCE staff help develop a plan so you can take this big step.
  • Bankruptcy Coaching – BALANCE is there to help get those get a handle on debt, while creating a solution that can help them back to stability.
  • Balance Track - Learn the basics of personal finance with the BalanceTrack educational modules. Register for a free user account or log in to get started.
  • MyBalance - Use MyBalance to create a budget plan that helps you achieve your financial goals.
  • Get In Balance - Learn to manage your checking account with the Get in Balance educational module. Register for a free user account or log in to get started.
  • BALANCE en Español – Con el patrocinio de su cooperativa de credito, usted ahora tiene acceso a servicios gratuitos de asesoría financiera.

All members will have to create an account to access the following programs: BalanceTrack, MyBalance, GetInBalance, so that data can be saved for individual users (budgets, test results, etc.). You can register for your own account by clicking the REGISTER/LOGIN link in the upper right. After you register, you will receive an email to confirm your email address.

Get started on the path to financial success today. To speak to a BALANCE counselor, call toll-free at (888) 456-2227 Mon-Thur: 5am-8pm, Fri: 5am-5pm, and Sat: 8am-5pm; or click here to schedule an appointment online.

Second Chance Checking

Before you start taking the courses, you must register for a free “Balance” Account. Start by clicking on create one now or register.

Once you have created your account, an email will be sent to verify the email address.

Return to mercedschoolcu.org to take your courses by clicking on the Money Management and Checking Account buttons.

Call Information at (209) 383-5550 x155, if you have any questions.

BalanceTrack Money Management BalanceTrack Checking Account Management

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More information on our products, services or feedback on our Web site | Phone: 209-383-5550 or 800-542-2345 | Fax: 209-383-2308 | Email Us


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Merced School Employees Federal Credit Union