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BALANCE Debt Counseling

SMCU follows the 7 Cooperative Principles. Principle #5 states that financial education is important and should be free and readily available to everyone. SMCU has partnered with BALANCE to offer our members help with credit problems, housing counseling, money management counseling, debt management, and more. We hope you will take advantage of this free service for members only.

If you are having difficulty repaying an SMCU loan, please call our helpful and friendly loan advisors at 206-398-5757.

BALANCE Toll-Free Infoline: 888-456-2227

Certified counselors are available to answer your questions about money management and other personal finance topics. The line is available Monday through Thursday, 5am to 8pm (PST), Friday, 5am to 5pm, and Saturday, 8am to 5 pm. BALANCE's Infoline counselors can answer a wide variety of financial and credit related questions and send you supplementary materials on your areas of interest.

Calls to our counselors can last anywhere from 5 to 30 minutes, depending on your question and the amount of information you are looking for. You can also email questions or concerns to (Please do not email any sensitive information including your account numbers or social security number).

Foreclosure Prevention | Go

Money Management Counseling | Go

Take a closer look at your spending and savings plan, and develop a plan of action to meet your goals.

Debt Management | Go

If the bills are starting to pile up, we can review your options, and even provide a structured repayment plan.

Credit Report Review | Go

A counselor will review your report with you, making sure you know your rights. BALANCE can even provide a low-cost credit report.

Housing Counseling | Go

Buying a home is one of the biggest financial commitments you'll ever make. Our counselors can help you make a plan.

CU SERVICE Equal Housing Opportunity Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government by the National Credit Union Administration, a U.S. Government Agency. BBB
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