- Upgrade your checking account to Vista Premier and start enjoying PCU Perks.
- The PCU Anything Loan: Sometimes you need a big chunk of money for the big ticket items.
- Need a Second Chance?
  
  Get back on your feet with our set of loans, checking accounts, and ways to save made for folks with no or low credit scores.
  
  LEARN ABOUT OUR SECOND CHANCE PRODUCTS
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Helpful Tools and Calculators

Tips, tools, and calculators to help you crunch the numbers and increase your money smarts.

Money can get complicated really fast, and we want to empower you to make smart, informed decisions when it comes to your finances. We’ve gathered the following collection of calculators, tools, and tips to help you navigate your financial life. We hope you find them helpful.

Calculators

Savings Calculators

Loan Calculators

Mortgage Calculators

Other Calculators

Financial Counseling and Education

BALANCE Financial Fitness

BalanceTrack

Educational modules that include videos, workbooks, and lesson plans – all accessible online. Set up your free account today.

Debt Management Plan

For those times when bills may have gotten out of hand, BALANCE negotiates with creditors to reduce interest and fees so you can pay your debt quickly and efficiently.

Free Access

Access to free, unbiased money management information and assistance

Free and anonymous

An absolutely free, secure and anonymous online tool.

BalanceTrack

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.

Pathways To Homeownership

Learn to become a successful homeowner through the Pathways to Homeownership course.

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.

Get in BALANCE Today

Money Minute Tips

What is my Credit Score?

Your credit score can impact basically your entire adult financial life, so it’s important that you know what it is.

Debit or Credit?

Have you ever wondered what the difference is when the store clerk asks “Debit or Credit?”

eStatements

Lots of places are now offering eStatements, what’s the big deal anyways?

Protecting your Card

It seems like every week there is another story about fraud happening in the area. Let’s discuss a few ways to protect your cards and your accounts from Fraudsters.

ATM Safety 101

Have you heard in the news recently there have been stories about skimmers, or other devices on everyday machines like ATMs?

Benefits of Using a Credit Card

If you can use a credit card responsibly, you’re actually better off paying with a credit card rather than a debit card.

Credit Score Myth

If your you pay all of your bills on time and your credit score still is not where you want it take a look at the utilization on your accounts. Your utilization is the balance on your account in relation to your credit limit and accounts for 30% of your credit scored.

3 Money situations to Avoid

Does looking at your bank account make you want to cry?

To go or to Stay? New Job, things to consider

Deciding whether to accept that new job offer? It can be tempting to jump at an offer that increases your pay, but if your current job includes benefits and the new job is sparse in that department, you may find yourself actually making less when it’s all said and done.

Tips for Smart Online Shopping

When shopping online it is important to stick to a list and avoid impulse shopping.

Track your spending, you might be amazed

Now that you have set your financial goals for 2018, we need to evaluate the current state of our finances. The best way to do this is to track our spending and saving.

Superbowl Savers

Even if you don’t have a team in the big game this coming weekend, it’s still a great excuse to throw a party. Just don’t let it turn into an excuse to overspend!

Mind Your Minutes

As the way we use our phones evolves, many of us are moving away from needing minutes and increasingly needing more data.

Preventing Tax-Related ID Theft

If you have a bank account, health insurance, credit card or even an email address with certain free services, there is a chance that your personal information could be exposed to hackers – especially during tax filing season.

Avoiding Buyer’s Remorse

Ever wondered how your life would be different if you could go back and save all that money you earned at your part-time job in high school? Or if you could re-think that brand new car you just had to have, even though it put you in debt?

Automate your Finances

Let’s talk about ways to automate your money so you can relax knowing it’s taken care of.

How can we help you?

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1-800-426-1601

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