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Budgeting & Debt Management

Take Care of Today. Plan for Tomorrow.

Managing Your Money

It's a simple phrase, but it comes with big challenges. How can you cut back your spending? Grow your Savings? Plan for retirement? Pull yourself out of debt? At Blackhawk Community Credit Union, we understand the stakes are high. That's why we provide our members with free tools and financial services that help you address everyday matters and build a better future.

Your Path to Financial Wellness

Take control of your financial future with GreenPath Financial Wellness. Through BHCCU’s partnership with GreenPath, you have access to trusted financial education, personalized guidance, and helpful resources designed to support you at every stage of your financial journey.



Financial Calculators

 
Whether you're looking to purchase a home, buy a car, build up your savings, pay down debt, or plan for retirement.
  • Our free financial calculators will provide you with the numbers you need to make the right moves for you and your family.




BudgetWise

Our online budgeting interface is interactive, easy, and customizable. With BudgetWise, you’re in the driver seat! Giving you all the tools you need to track and manage your spending.
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Avoiding Foreclosure

Let's work together to keep you in your home.

These days, your financial situation can change in an instant. If you lose your job, have a medical emergency or get blindsided by a family crisis, you might be unable to meet your mortgage obligations. The good news is that Blackhawk Community Credit Union offers programs that might help you avoid foreclosure. Please contact us before you fall too far behind in your payments so we can begin working toward a solution.
The Consequences of Foreclosure

It is important to understand what could happen if BHCCU proceeds with foreclosure on your home.

  • The money you have invested in your home will be lost.
  • There will be negative consequences for your credit score.
  • It will be more difficult for you to obtain a mortgage in the future.
  • You could be held liable for any losses.


Options We Might Offer
  • Loan Modification: A change to the terms of your loan making it more affordable.
  • Forbearance: Reduced or suspended payments for a set period of time, followed by other agreed-upon options to bring the loan current.
  • Repayment Plan: A schedule of payments to catch up on past-due amounts.


Free Credit Counseling
  • BHCCU Members can receive free budget and debt counseling services through the GreenPath Financial Wellness Program. Visit the GreenPath website or call to speak to a counselor at 1.877.337.3399.


Military OneSource
  • This is the U.S. Department of Defense’s information resource for those who have served. If you are listed as entitled to legal protections under the Service Members Civil Relief Act (SCRA), please visit Military One Source or call 800.342.9647 for more information.


Act Now
If you are having difficulty making payments to your BHCCU Mortgage, give us a call at 800.779.5555. We have programs that may assist you during these difficult times.


















For a comprehensive list of community counseling agencies, visit the Department of Housing and Urban Development or call 800.569.4287.




Budgeting Resources

For a comprehensive list of community counseling agencies, visit the Department of Housing and Urban Development website, or call 1.800.569.4287.

One-On-One Free Financial Counseling – Receive free budget and debt counseling services.
Call a Counselor at 1.877.337.3399