
Bring intention to your money with the BalanceWorks® system
Take a more balanced approach to money management, and make it easier to track spending, build savings and manage giving with the BalanceWorks® system, an exclusive TCU tool that allows you to divide your monthly income into four important categories:
Needs
Mortgage payments, car payments, insurance, groceries, healthcare and debt repayment.
Wants
Clothes, entertainment and other discretionary spending.
Savings
Anything you don't allocate for bills and spending.
Giving
Charitable giving or weekly church donations.
See how the BalanceWorks® system really works in this short video
Plan for expenses with the TCU Budget tool
Discover how the BalanceWorks® system helped reshape one couple's outlook on money

Join TCU today
Join us and start planning with the BalanceWorks® system.
Already have a TCU membership?
Add the BalanceWorks® system to your account today.
How it works
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Save firstYour monthly income and any other deposits will go into your Savings account to make savings your first priority.
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Align goals with accountsThink about your financial goals and use the TCU Budget Tool to determine how much money should go into your Needs, Wants and Giving accounts.
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Set up transfersHelp prevent overspending by using online banking to set up monthly transfers from your Savings accounts to your other BalanceWorks® accounts.
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Set up bill paySet up online transfers from your Needs account to pay reoccurring monthly bills on time.
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Adjust as neededUse the Money Management™ dashboard to see your spending and saving activity at a glance and adjust on the go.