Take Control of Your Finances!

Maintaining stability in your budget and personal finances can be challenging, especially when you're on your own. That’s why we have partnered with BALANCE, a personal financial wellness program that makes it easy for you to stay on top of your financial situation.

BALANCE financial wellness program gives you FREE access to confidential money management tools, information, and counseling. Simply create an account to access all these FREE features:

Counseling Services
Debt Management
FREE Webinars
Online Tools
BALANCE in Español

Take the first step toward financial success today! Connect with a BALANCE counselor during the available hours below by calling toll-free: 1(888) 456-2227

Monday – Thursday: 7:30 AM – 6:00 PM
Friday: 7:30 AM – 5:00 PM
Saturday: 9:00 AM – 2:00 PM

Second Chance Checking

MSEFCU believes in second chances. BALANCE can help you learn the skills and habits it takes to manage your personal finances like a pro.

People make mistakes; it happens. BALANCE offers courses that help you learn how to avoid the most common personal finance mistakes. Before you begin taking courses, you must register for a free BALANCE account.

Start by clicking on “Register” or “Create One Now”, then fill in your information. Once you’ve created your account, an email will be sent to verify your email address. Return to mercedschoolcu.org to take your courses by clicking on the Money Management and/or Checking Account buttons. If you have any questions, call us at (209) 383-5550 x155.

Money Management Checking Account Management