Free and confidential financial counseling.

Whether you’re interested in developing a workable spending and savings plan, getting out of debt, taking a look at your credit report, buying a home, or planning for your financial future, Mill City Credit Union wants to help. That’s why we’ve provided access to free and confidential financial counseling and education through BALANCE.


This free and confidential program allows you to make decisions proactively about your budget and savings. Certified counselors provide the necessary tools to help you understand, protect or improve your credit report, get out of debt and develop a workable savings plan. They are also available to answer your questions about budgeting, debt management and other financial topics such as how to avoid foreclosure.

Toll-Free Infoline – 888-456-2227

Certified counselors are available to answer your questions about money management and other personal finance topics.

Credit Report Review

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

Money Management Counseling

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

Housing Counseling

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

Debt and Budget Coaching

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

Identity Theft Solutions

Take steps to avoid becoming a victim of identity theft, or to recover if damage has already been done.