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Achieve Financial Fitness with Balance

Have a question about money, debt or credit management? Call Balance at 888-456-2227 for professional and confidential money management information and counseling. It's free of charge for PPCU members.

Take Advantage of BALANCE—PPCU’s Financial Fitness Program

We are committed to helping you achieve your financial goals, whether that means getting out of debt, sending the kids to college, buying your first home, or retiring. Balance, PPCU’s newest financial partner, provides the tools that will make that commitment a reality. As a credit union member, you have unlimited access to the following Balance program benefits free of charge.

Toll-free InfoLine

Balance provides immediate access to professional financial counselors by phone Monday through Thursday, 5 a.m. to 8 p.m., Friday, 5 a.m. to 5 p.m. and Saturday, 8 a.m. to 5 p.m. Get answers to a wide variety of money management and credit questions, ranging from whether or not you should buy or lease your next car, to questions about how you can get out of debt. Call 1-888-456-2227.


For more in depth assistance, schedule a phone appointment with a Balance counselor to discuss general money management, credit and housing topics including goal setting, spending and saving plans, credit and credit reports, debt management, buying a first home, mortgage delinquency and foreclosure prevention.

Debt Management Plan

If you are having trouble making ends meet, receiving collection calls, or paying down the debt, Balance will help you consolidate bill payments and negotiate with creditors to lower payments and, in some cases, reduce or eliminate interest and fees.


For those who just need a little motivation and guidance to help them get out of debt and reach their financial goals, QuickPay is a computer-generated bill-paying schedule designed to compute the most efficient way to pay back debt. This program demonstrates how to spend less on interest charges and speed up the repayment process.

Credit Report Review

It is important that you check your credit report for accuracy at least every other year, or if you are planning to buy a home, refinance an existing mortgage, purchase an auto, change residence, or have reason to believe your report may contain erroneous information. Balance can provide a personal review of your credit report and answer your questions. Upon request, BALANCE can also pull your credit report for a fee of $12. There is no fee for the Credit Report Review.

To learn more about Balance, or to speak with a counselor, call 1-888-456-2227 or visit the Balance web site.

Postal and Civil Service Employees

PPCU is the only Greater San Francisco area credit union dedicated to serving U.S. Postal and Civil Service employees and their families.

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Have a question about money, debt or credit management? Call Balance. It's free of charge for PPCU members.
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