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Home > Member Services > Tools and Education > WPCCU Credit Counseling

Credit Counseling


Free and Confidential Credit Counseling Service

Financial fitness is more than just having a savings account or being debt-free -- it's a lifestyle.

Practicing smart money management is all it takes for most people to reach their goals. To help our members get financially fit, WPCCU has partnered with the BALANCE Financial Fitness Program

Check your money management vital signs by asking yourself:

  • Are your goals current?  Are you meeting them at the rate you would like?
  • Are you setting aside money for emergencies?
  • Do you have a positive net worth?
  • Are your spending habits what you want them to be?
  • Have you seen your credit report lately?

If you answered "no" to any of these questions, you may benefit from a financial checkup through BALANCE!  This service is FREE, courtesy of WPCCU. 

Call BALANCE consultants toll-free at 888-456-2227, or access resources online here >

Get Back on Track!

OnTrack is a self-guided web-based tool developed to assist our members through the sometimes challenging steps of creating a budget that is realistic, livable, and accurate. 

The online tool will guide you step-by-step through the process of determining your living expenses relative to your income and debt. Throughout the module, as you create your budget, you will find tools for tracking expenses, tips for taking control of your personal finances, direction on reducing debt, and education specific to your areas of challenge.

This financial tool is free of charge. To get started, click here >


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