Your Path to Financial Fitness Starts Here
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. 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.
To speak with a counselor, call toll-free 888-456-2227. Monday–Thursday 5 AM–8 PM, Friday 5 AM–5 PM, Saturday 8 AM–5 PM (Pacific Time)
FREE WEBINARS
We're very excited to announce our free upcoming webinars! Reserve your virtual seat today.
FEBRUARY - UNLEASHING THE POWER OF CREDIT
Credit is a valuable financial tool, but knowing how it works is crucial to making it work for you. This session delves into the fundamental aspects of credit, including credit scores, credit reports, and their effects on your financial well-being. Discover the various types of credit, the factors that shape your credit score, and effective strategies for building, maintaining, or improving your credit.
Session 2: Thursday, February 20, 8:30 p.m. ET
MARCH– TAP INTO WISE CREDIT CARD USE
Much like driving a car, understanding the rules and best practices of credit card use can significantly impact your financial journey. In this session, uncover the essentials of using credit cards wisely, from exploring various card types, interest rates, and fees, to finding the card that best suits your needs. Uncover practical strategies for budgeting and managing debt that empower you to use credit cards responsibly.
Session 1: Tuesday, March 11, 1:30 p.m. ET
Session 2: Thursday, March 20, 8:30 p.m. ET
APRIL– ARE YOU FINANCIALLY HEALTHY
We’ll talk about what it means to be financially healthy – which is so much more than just your credit score. True financial health is based on four key components: Spend, Save, Borrow, and Plan. You’ll also confidentially determine your Financial Health Score and the steps to improve that score.
Session 1: Tuesday, April 8, 1:30 p.m. ET
Session 2: Thursday, April 17, 8:30 p.m. ET
MAY– DOLLARS AND SENSE: MANAGING MONEY FOR A HEALTHIER MIND
Did you know that your financial health can significantly impact your mental well-being? Explore the powerful relationship between money and mental health by diving into how financial stress affects your emotional state and learn how to create a balanced approach to money management, build financial resilience, and reduce anxiety around financial decisions.
Session 1: Tuesday, May 6, 1:30 p.m. ET
Session 2: Thursday, May 15, 8:30 p.m. ET
JUNE – BUY OR RENT: WEIGHING THE PROS AND CONS
Whether you’re a first-time homebuyer, a renter evaluating your next step, or simply curious about the current real estate landscape, deciding whether to buy or rent requires careful consideration. This session will help you navigate the pros and cons of both options by exploring the financial, lifestyle, and market factors that influence this important decision.
Session 1: Tuesday, June 3, 1:30 p.m. ET
Session 2: Thursday, June 12, 8:30 p.m. ET
JULY – MASTERING THE GIG ECONOMY
If you do gig work, you know how tricky it can get on the money management side of things. In this jampacked presentation you’ll learn how to take control of your financials and get actionable steps for simplifying healthcare, retirement, taxes, budgeting, savings, and more.
Session 1: Tuesday, July 8, 1:30 p.m. ET
Session 2: Thursday, July 17, 8:30 p.m. ET
AUGUST – RAISING A MONEY SMART KID – BACK TO SCHOOL EDITION
Earning money, spending and saving are important lessons children learn very early on in life. This session will help guide parents on effective ways to educate children about financial responsibility that can last a lifetime.
Session 1: Tuesday, August 12, 1:30 p.m. ET
Session 2: Thursday, August 21, 8:30 p.m. ET
SEPTEMBER -FINANCES FOR NEW FAMILIES
Getting married. Having kids. These are natural progressions in life for many, but also present new financial situations and decisions to make immediately, and for the long term. This session will help you discover, prioritize, and design a workable plan for your family’s goals and lifestyle.
Session 1: Tuesday, September 9, 1:30 p.m. ET
Session 2: Thursday, September 18, 8:30 p.m. ET
OCTOBER -FEDERAL VS PRIVATE STUDENT LOANS
This workshop explains key differences between federal and private student loans, and compares eligibility, interest rates, repayment plans and more. Participants will learn how to choose the option that best suits their needs.
Session 1: Tuesday, October 7, 1:30 p.m. ET
Session 2: Thursday, October 16, 8:30 p.m. ET
NOVEMBER -SAFEGUARDING SENIORS: STRATEGIES TO COMBAT ELDER FINANCIAL EXPLOITATION
Elder financial exploitation is a growing concern that affects millions of seniors each year. Learn about common tactics used by scammers, how to recognize the signs of financial abuse, and practical steps to take if you suspect someone you know is being exploited.
Session 1: Tuesday, November 4, 1:30 p.m. ET
Session 2: Thursday, November 13, 8:30 p.m. ET
DECEMBER -SLEIGHING THE HOLIDAY SEASON
It may be called “the most wonderful time of the year” but December can also be filled with unwanted debt and overspending. Learn budgeting strategies and tactics to avoid year-end credit card crunch and future debt traps.
Session 1: Tuesday, December 9, 1:30 p.m. ET
Session 2: Thursday, December 18, 8:30 p.m. ET
Repos & foreclosures
Get in on those deals! To view any vehicle or property, contact the Collections Department at 304-455-4029 x 1480. CU Owned Property
Making a difference
Positively impacting our community is important to us. We host fund raising events for the Children's Miracle Network. View Upcoming Events
Anytime onLine Skip-A-Payment
BHFCU now offers Anytime Online Skip-A-Payment! (You may only skip a payment once every 6 months.) . Apply and Sign Online Today!
