![A man standing in a field.](https://aplusfcu.org/wp-content/uploads/guidance/img/sub-overview-hero_balance_aug22.jpg)
BALANCE
We care about your financial wellness. That’s why we’ve partnered with industry-leading BALANCE to equip you with tools for tackling fiscal matters – at no cost to you.
Financial Counseling
A+FCU is committed to your financial well-being. Together with BALANCE, we equip you with free, confidential one-on-one coaching for all your fiscal needs.
BalanceTrack
As part of the benefits of membership, you have access to free educational tools, such as BalanceTrack. Use these easy-to-digest modules to learn about key money management topics.
Contests
Through our partnership, A+FCU offers BALANCE contests to reward you for taking measures to improve your financial health. Get the details on special drawings and prizes.
Resources
Get on the path to financial success with these resources.
![A couple standing on a porch, their backs are to us, and there is an open laptop on the table in front of them.](https://aplusfcu.org/wp-content/uploads/global/ctas/life-guidance-cta/life-guidance-global-ctas_rebuilding-credit_aug22.jpg)
![](/wp-content/themes/aplusfcu/images/dist/angle_cta-green-right.png)
(Re)Building Credit
Credit is factored into many decisions, including loan approvals, housing applications, insurance rates, and employment opportunities. To obtain the most favorable outcomes, it’s important to understand the basics of credit scores and credit reports.
![A woman holding a cell phone and a credit card.](https://aplusfcu.org/wp-content/uploads/global/ctas/life-guidance-cta/life-guidance-global-ctas_debt_aug22.jpg)
![](/wp-content/themes/aplusfcu/images/dist/angle_cta-green-right.png)
Debt
To get out of debt, you need to be intentional with your money. Reach your goals faster with our tools for evaluating your debt load, developing a repayment strategy, and staying committed.
Related Articles
9 Things You May Be Paying Too Much For
![Couple talking with a rep](https://aplusfcu.org/wp-content/uploads/blog/img/9-things-you-may-be-paying-too-much-for_feb25_blog.png)
Are there expenses that you could cut back on? Here are some key areas where you might be overspending and ways to spot potential savings.
Beginner’s Guide To Solar Power
![Couple sits on loveseat outside on their patio under the roof with solar panels](https://aplusfcu.org/wp-content/uploads/blog/img/solar-101-guest-post_sep23_blog.png)
Solar power technology can seem complex. That’s why we’ve put together this beginner’s guide to solar panels.
16 Months Of Financial Tips
![Two people talking, they are in professional clothing.](https://aplusfcu.org/wp-content/uploads/blog/img/planner_blog.jpg)
Use these monthly financial tips to break down your top financial tasks and to-dos and get on the right path to being financially healthy.
![Woman hugs and kisses dog’s face while outside.](https://aplusfcu.org/wp-content/uploads/global/ctas/shared-cta/standard-global-ctas_join-afcu_aug22.jpg)
![](/wp-content/themes/aplusfcu/images/dist/angle_cta-green-right.png)
Join The A+FCU Family
Joining is easy and comes not only with a wide variety of money-saving products tailored to fit your needs, but also exclusive member-only benefits.