We're committed to financial education. We want you to succeed! Our members have access to free financial counseling through our partnership with Balance Financial Fitness, recurring hands-on seminars, and access to all of the online education below. 


Get Money Saavy.

Check out our over 100 articles organized by the topics below to learn more about everything from understanding your credit to what to do ​during life's unexpected ​turns. Articles courtesy of Balancepro.org.

Smart Spending
Understanding Your Credit
Tips for Teens
Tips for Students
Tips for Seniors
Budgeting & Saving
Identity Theft
Home Buying & Ownership


The Road To Home Ownership

If you're considering homeownership, it’s never too early to start planning. Though the process can feel long and overwhelming at times, it’s really nothing more than a series of practical steps. ​

Downsizing Your Debt

Incorporating these basics found in this guide into your money management plan will put you in control of your money instead of it being in control of you.

Checking account management

Learn key components of wise checking account management, including checking account fundamentals, deposits, withdrawals, and protecting your account.

Retirement planning guide

 This guide gets you considering the key issues in retirement. Use it as an introduction to begin the exploration of your retirement options.

The basics of identity theft

There are measures you can take to reduce the chance of identity theft, as well as steps to recover from damage if you're ever a victim of a scam.

managing finances after divorce

Arming yourself with knowledge and taking the time to create a new plan after a divorce can help lead to a financially successful future.

REpaying student loans

This guide will show you how it's possible to repay your student loans and avoid default, even if y​ou're facing economic hardship.

Preparing for a Financial Setback

Living on less is never easy, but with a little planning and a positive attitude, you should be able to weather most financial storms.


Plan ahead with these easy-to-use calculators

Use these handy calculators to determine the down payment needed for a car, what will it would take to make owning your dream home a reality and much more! Please note that the use of calculators is not a guarantee of credit or return on investments.


Sit back, relax and take a moment to learn more about your finances from our own knowledgeable staff.

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Learn about what makes up your credit score and how lenders use it when you apply for credit.
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What Builds Your Credit Score?

Learn tips on how to build your score and things to avoid that may lower your score.

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How to Increase your credit score.

Learn solid ways to increase your credit score and simple reminders that could affect your credit including pay bills on time, avoiding additional debt, possible errors in your credit report, and much more!

Meet our ITMS

In this video you learn all you can do at one of our Interactive Teller Machines, or ITMs, including depositing cash and checks, making loan payments and more! All while speaking to a live, local ITM agent located in our Oak Ridge headquarters.

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Balance: Financial Fitness

Balance is a financial fitness program and service that ORNL Federal Credit Union provides to members. By using Balance, members can obtain free access to confidential financial counseling services six days a week. The program encompasses a variety of features such as education, planning tools and individual counseling. All features are aimed at assisting members with financial challenges including questions, concerns or problems related to their financial well-being. 

Balance Features

  • Money Management Counseling
  • Toll-Free Infoline
  • Debt Managements
  • Credit Report Review
  • Housing Counseling
  • Identity Theft Solutions
  • Personal Finance Education Program
  • Checking Account Management Education Program

To begin your financial fitness program or for additional information, visit the Balance Financial Fitness Program website.