Welcome to Financial Choice

Familybylake_X300EVFCU offers Financial Choice as a benefit to its members. Financial Choice is an enhanced level of service from LSS Financial Counseling to help EVFCU members and their family members build financial wellness. As a member you and your family members are eligible for up to six free financial counseling per year.

What can you accomplish with one of our Certified Financial Counselors?

  • Establish a budget
  • Improve your credit score
  • Manage your student loans
  • Protect your home
  • Consolidate your payments with a Debt Management Plan

Every day we help people learn to manage their finances.

A married couple with grade-school children came to LSS to see what options were available to reduce their debt load. They had both gone back to college in hopes of improving their income opportunities. The reduced hours and reduced income was more severe than they had anticipated and found themselves using credit cards to supplement costs. They felt that as soon as they graduated, the new job’s income would allow debt repayment to be done quickly and affordably. However when they graduated, the economy was at the height of the recession, so finding higher paying jobs was nearly impossible for them. They had nearly $50,000 in credit card debt and student loan payments coming due. They found a Debt Management Plan (DMP) helped to reduce their payments to an affordable amount, but allowed the interest rates to drop significantly. Now, instead of nearly ½ of their minimum payments going to finance charges the majority of their payments went to the balance and they will be paid off in less than five years!

Over the past five years our Financial Choice partners’ members, employees, and family members have paid off millions of dollars in debt and laid the ground-work for a secure financial future. We welcome you to join them by meeting with one of our Financial Counselors. Success starts now: your future awaits you!



With Financial Choice, you have access to up to six sessions of financial counseling, provided free and confidentially by LSS Financial Counseling—in-person at any of our office locations, by phone, or online.



Get out of debt


Imagine the freedom of living debt-free. You can do it!

Last year, LSS debt management plans (DMP) clients paid off more than $20 million of debt. Learn how you can conquer your debt.

Improve my credit


Do you know and understand your credit score?

We can help you create a realistic budget and an action plan to save money and improve your credit. Get your credit report once per year free of charge.

Protect my home


Owning a home is a big financial investment.

Our HUD Certified Housing Counselors help with Foreclosure Prevention, decisions about refinancing or reverse mortgages.



We provide tangible steps and personal guidance to empower people to take control of their finances and meet their financial goals.



What success feels like:

"My cares and burdens were lifted... They didn't do everything for me, but they helped me know what to do and helped me to do it myself."

"I am so excited for my debt management plan I can hardly stand it. I feel hopeful instead of discouraged."

What LSS clients say about their journey >

Everyone can benefit from a free financial checkup!

When is the right time for help?

Do I need to be in trouble with finances to use this service?

Answers to frequently asked questions >