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Credit Counseling

Building Financial Confidence Together.

Your financial journey is as unique as your fingerprint – and it deserves a personalized roadmap to success.

Life throws curveballs. Maybe you're dreaming of buying your first home but your credit score feels like a roadblock. Perhaps you're tired of living paycheck to paycheck, wondering where your money actually goes each month. Or maybe you know you should have an emergency fund, but between rent, groceries, and that unexpected car repair, saving feels impossible.

Sound familiar? You're not alone.

That's where our Financial Seeds of Success program comes in. Think of our financial counselor as your personal GPS for money matters – helping you navigate from where you are to where you want to be. No judgment, no one-size-fits-all advice, just real strategies tailored to your real life.

Discover

  • One-on-one counseling to review your credit report, track expenses, and define financial goals. Discover where you are right now and define where you want to be!

Empower

  • Develop a budget and savings plan, create a workable action plan, explore available resources. Empower yourself with usable tools!

Accomplish

  • Implement action plan and follow up as you reach your goals. Accomplish measurable steps along the way as your knowledge and skill grow and blossom. 

Financial Seeds of Success. Discover, Empower, Accomplish

Call us at 804-843-2520 (option 2) for a confidential appointment.

Get started today!

Whether you're starting from scratch or ready to level up your financial game, we're here to plant the seeds today that bloom into the financial freedom you deserve tomorrow.

Ready to turn your money dreams into your money reality? Let's grow something amazing together.

Meet with our certified credit counselor at any branch location! If you need support outside of our normal business hours, we’ll connect you with our partners at Money Management International for additional assistance.

Call 804-843-2520 (option 2) or email empowerme@baylandsfcu.org to get started today!