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Balance Track

Universal 1 Credit Union BALANCE Track Summer Sweepstakes

BALANCE, our partner in financial education, is helping you get back on the path to good financial health this summer with the “Back on Track” contest! Enter the "Back On Track," for a chance to win $500!

How to enter:

  • Users must complete at least one BalanceTrack module with a passing grade during the contest period (multiple entries across different modules are encouraged!).
  • Each month, BALANCE will randomly choose a user who’s successfully completed our Module of the Month, and award them a $100 Amazon gift card.
  • Users can earn three bonus entries for successfully completing the Module of the Month.
  • Alternative method of entry: Members can also enter “Back on Track” by emailing their name, address,phone number, email address and credit union name to: Alternative entries must be received prior to the end of the promotion period.

Frequently Asked Questions:

What are the contest dates?
August 1 – October 31, 2022.

Remind me… What’s BalanceTrack again?
BalanceTrack is an educational online resource created by BALANCE to help users boost their 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 test your knowledge by taking a quiz.

Can users enter more than once?
Yes! Each completion of a new module with a passing grade earns them an additional entry.

Who’s eligible?
Contestants must be at least 13 years old.

What’s the Module of the Month?
Each month, we’ll highlight a special BalanceTrack module as the “Module of the Month.” Once completed, users will be entered to win the monthly $100 Amazon gift card, and earn three bonus entries towards the $500 grand prize. See below for titles and descriptions.

How are winners selected?
Winners will be chosen at random.

See official rules here

You will need to create an account or sign in to your BALANCE account access the BalanceTrack program. Visit and click "Register/Log In" in the upper right hand corner. 

Modules of the Month

August Module of the Month
The World of Credit Reports
Credit reports and credit scores influence our lives in many ways. Your history of credit management can affect the cost of the credit you receive, your ability to rent or buy a home, the insurance rates you are offered, and even your future employment opportunities. By understanding the world of credit reports, you can create a positive credit standing that will allow you to achieve your goals quickly and inexpensively. This module covers:

• Credit reporting agencies
• What is in your credit report
• Understanding credit scores
• How to improve your credit standing
• Consumer rights and identity theft

Get Started with the July Module of the Month

September Module of the Month
The Psychology of Spending
Do you ever wonder why you left the mall with $500 worth of clothes when you were not planning to get anything or bought one pair of shoes over another? It is not just personal preference. Psychologists have found that there are several forces that govern our consumer behavior and cause us to make decisions that are not necessarily rational or in our best interest. However, understanding why we buy what we buy can help us make better decisions in the future. Why is it important to make smart shopping decisions? Many people put purchases on their store or credit cards. If you charge too much and are unable to pay off your balance in full, you could wind up with debt that takes years to pay off and costs thousands of dollars in interest charges. Even if you don’t get into debt, overspending can take away from important saving goals, like a down payment for a house, college, or retirement. This module covers factors that commonly affect the psychology of our spending, including:

• The role of advertising
• Keeping up with the Joneses
• Spending habits
• Impulse buying
• Bargain hunting
• Retail therapy
• Money as love
• Worrying about tomorrow, tomorrow

Get Started with the July Module of the Month

October Module of the Month
Identity Theft
Identity theft occurs when someone uses your name, Social Security number, credit card number, or other identifying data to commit fraud or other crimes. In this electronic age, it has become an all-toocommon danger. Fortunately, there are many preventative measures you can take to substantially reduce the chance of identity theft occurring and steps you can take to minimize damage if you do become a victim. This module covers the basics of identity theft, including:

• Common practices of identity thieves
• Preventing identity theft
• How to recover
• Federal laws
• Helpful resources

Get Started with the July Module of the Month

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