BALANCE Financial Fitness Program

At Century Heritage, we care about your financial wellness. That’s why we have partnered with BALANCE, an industry leader in financial education and counseling to help you build a better financial future with free, trusted guidance and resources for all of life’s milestones. BALANCE provides our members with confidential, no-cost financial counseling and education services to help you develop a plan and achieve your financial goals. Whether you’re saving for your child’s education, or trying to get out of debt, BALANCE has financial coaches who are ready to assist you every step of the way.

  • Budgeting for Life Events
  • Managing Debt
  • Credit Report Review
  • Homeownership Counseling
  • Student Loan Counseling

BALANCE also has an online portal that gives you access to interactive modules and tools, plus a resource library of over 300 articles, podcasts and videos.

To use the program, simply call 888-456-2227 or use the BALANCE website.

The BalanceTrack “Back on Track” Summer Contest

The BalanceTrack “Back on Track” Summer Contest

Last year was a difficult time for many to “Stay on Track” when it came to financial plans. That’s why we’re changing the name of this year’s contest to “Back on Track.” Presented by our partner in financial education, BALANCE, “Back on Track” offers our BalanceTrack users the chance to win $500 and/or one of three $100 gift cards!

Now that businesses and schools are starting to open in most states, we can start to think about getting back on the path to good financial health.

New to BalanceTrack? It’s an online resource that helps you boost your financial IQ. Modules include relevant topics such as money management, credit building, saving for college, and much more. At the end of each module, you can test your knowledge by taking a quiz.

Entering “Back on Track” is easy:

  • Visit BalanceTrack online Here
  • Users must complete at least one BalanceTrack module with a passing grade (multiple entries across different modules are encouraged!).
  • If you complete the special Module of The Month, you’ll be entered into a monthly drawing to win a $100 gift card. Plus, you receive three bonus entries towards the $500 grand prize.
  • Module of the Month Topics:
    • “Rebuilding After a Financial Crisis” (July)
    • “Money Management” (August)
    • “Credit Matters” (September)

At the end of the contest, the winner will be selected at random.

“Back on Track” runs from July 1 – September 30, 2021. But don’t wait! The sooner you start, the more time you’ll have for extra entries.

*Click here for complete contest rules.


Attend Monthly Webinars

We’re very excited to announce our free webinars! Whether you’re an employee, member or friend, our webinars are packed with useful info, and are open to everyone. Just make sure to reserve your virtual seat.

Select Sign Up to register and click Show in My Time Zone to view the session time based on your location.


Retirement can be a great time for seniors if they are prepared financially. Attendees will learn about specific retirement concerns such as managing money, Medicare, Social Security, improving cash flow, insurance, investing, estate planning, and more

Session 1: Tuesday, September 7, 2021
Time: 1:30pm – 2:30pm EST
Session 2: Thursday, September 16, 2021
Time: 8:30pm – 9:30pm EST
Sign Up


A credit card can be a valuable financial tool. However, before racking up big charges on multiple cards, participants should learn smart ways to handle their credit cards and take a disciplined approach.

Session 1: Tuesday, October 12, 2021
Time: 1:30pm – 2:30pm EST
Session 2: Thursday, October 21, 2021
Time: 9:30pm – 10:30pm EST
Sign Up


A job loss, a medical crisis, or other hardship can send a normal financial situation into a tailspin. Participants will learn how to get their finances back on track, including budgeting, repaying debt, rebuilding credit, establishing emergency savings, and replenishing retirement savings.

Session 1: Tuesday, November 9, 2021
Time: 1:30pm – 2:30pm EST
Session 2: Thursday, November 18, 2021
Time: 8:30pm – 9:30pm EST
Sign Up