This page uses JavaScript. Your browser either does not support JavaScript or you have it turned off. To see this page properly please use a JavaScript enabled browser.

Click here to view updated information regarding Coronavirus (COVID-19) and U1 office locations.

U1 Go to main content Search
U1 Internet Banking
Balance Track

Universal 1 Credit Union BALANCE

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, we’ll 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.

Frequently Asked Questions:

What are the contest dates?
July 1 – September 30, 2021.

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. Seebelow 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 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
Money Management
Money management is the process of knowing where you are spending your money today and having a well thought- out plan in place for where you want it to go in the future. This module covers the core concepts of money management. After completing this module, you will be able to:
• Set goals
• Get organized
• Track spending
• Build a budget
• Save money

Get Started with the July Module of the Month

September Module of the Month
Credit Matters
In today’s world, credit does indeed matter. In fact, obtaining and using different types of credit instruments is part of almost every American’s financial life. However, because it is so easy to make expensive mistakes
that can follow you for a long time, it is a good idea to learn how to borrow wisely from the beginning. This module covers the core concepts of credit usage, including:
• What is credit?
• Getting started
• Using credit to your advantage
• Deleting Your Debt
• Consumer rights and responsibilities

Get Started with the July Module of the Month

Go to main navigation
U1 has a few links to external sites but does not operate them.
The credit union is not responsible for their content, and site security and privacy policies may differ.
U1 does not represent you or the third party if both enter into a transaction.