Your Path to Financial Fitness Starts Here

At Bay Cities CU, we care about your financial wellness. That’s why we’ve partnered with industry-leading BALANCE to provide you with free access to expertly-crafted financial education and resources to help with your fiscal matters. And should you need, BALANCE can assist with confidential, no-cost financial counseling services to help you develop a sensible budget managing spending and debt. For all your financial life stage changes and more, we—in partnership with BALANCE—are here to help.

BalanceTrack – In this highly rated online education program, users work through self-paced modules focusing on core aspects of personal financial management. Each module includes several chapters of easily absorbed content and a quiz. Many also include a podcast of the content for users who learn best by listening. You can access BalanceTrack from Programs > BalanceTrack.

Please register and log in to use this program. This ensures you receive a certificate of completion with the passing of each module and enables your credit union to view your results. From the Log In page, select Create one now or click REGISTER/LOG IN located at the top right corner of your screen.

Por favor visite nuestras páginas en Español para conocer mas sobre los servicios ofrecidos.

Free Financial Guidance And Services

Counseling Services

Our accredited financial counselors can work one-on-one to help you address issues including bankruptcy, debt management, and credit report reviews.


Debt Management

We will help you explore debt management options as a way to eliminate debt. We work with creditors on your behalf to develop a repayment plan.



Attend free money management webinars. Learn the basics of financial planning, and create a future of security and opportunities.


Online Tools

Access financial education anytime you need it. Increase your know-how with articles, financial calculators, videos, checklists, quizzes, and more.


BalanceTrack: 10 Steps to Financial Success

If you are struggling, financial success may seem like a distant dream. Taking this BalanceTrack course with these ten steps, you can make that dream a reality:


BalanceTrack: Money Management

Money management is the process of knowing where you are spending your money today and having a well-thought-out plan in place for where you want it to go in the future. This module covers the core concepts of money management.


BalanceTrack: Psychology of Spending

We all have a “money personality” and it has a major impact on our attitudes, relationship with money, and spending habits. This module will teach strategies and tactics to decode personality types to gain control over finances.



Learn the basics of personal finance with the BalanceTrack educational modules. Register for a free user account or log in to get started.