Individual Needs...Individual Solutions

Each person's financial choices and decisions are as unique as the circumstances that surround them...living paycheck to paycheck...never being able to pay more than the minimum on credit cards...feeling trapped in a cycle of high interest rates and fees...wanting to buy a home or establish a savings plan.

With so many financial obligations and options, money management may seem difficult and confusing at times. That's why TEFCU has partnered with BALANCE, a financial education and counseling service that can help you get on track, review and improve your credit report, get out of debt, set up a spending and savings plan, and so much more!

Info Line

Financial Information is available Monday-Thursday 8:00 AM to 11:00 PM, Friday 8:00 AM to 8:00 PM, and Saturday 11:00 AM to 8:00 PM.

Call a BALANCE counselor at 1-888-456-2227 and let them know you are a TEFCU member."

Identity Theft Solutions

Someone may be masquerading as you and creating debts in your name even as you read these words.  Identity theft is the fastest growing crime in our country today.  Many victims remain unaware they've fallen prey to this new breed of criminal until they attempt to get a loan and find out their credit rating has been damaged by fraudulent unpaid accounts.

Let BALANCE help guard your personal information and get you back on your feet!  Call a BALANCE Counselor today!

Money Management Counseling

TEFCU recognizes that money management skills are learned, not something we're born with.  That's why, as a benefit of membership, you have access to BALANCE Financial Fitness Program.  BALANCE offers personal finance counseling by credentialed experts for a price anyone can include in their budget: FREE!!!

Certified financial counselors help you develop both short and long term financial strategies.  Call a BALANCE Counselor today!

Debt Management Plan

The average household debt in America is a staggering $9,000.  You may be in consumer debt trouble if you:

• Avoid creditors and bills

• Charge or use payroll advances for essential expenses

• Regularly bounce checks

• Have accounts closed by creditors

• Skip certain bills every month

• Make only minimum payments while continuing to incur charges

To break the cycle of debt, Call a BALANCE Counselor today!  Consolidate your credit card payments, lower payment amounts, and even reduce or eliminate interest and fees.

Credit Report Review

The three credit bureaus have established one central website, telephone number, and mailing address to use for ordering your report.  The credit bureaus will only be providing the free annual reports through this central location, not through their individual websites, telephone numbers or address.

Web: www.annualcreditreport.com
Telephone: (877) 322-8228
Mail: Annual Credit Report Request Service
          P.O. Box 105281
          Atlanta, GA 30348-5281

When you're ready, a counselor will review your credit report with you, making sure you know your rights.  Call a BALANCE Counselor today!