Become a Member  | Make a Payment | Schedule Appointment | Apply for loan

ONLINE BANKING

Empowerment Center

Empowerment starts here. Unlock your potential.

The RVA Financial Empowerment Center is a free, appointment-based resource designed to help you build skills, confidence, and financial knowledge, so you can make informed decisions and move forward with purpose.
 
We extend beyond traditional credit union services by offering one-on-one mentorship and coaching in areas like budgeting, saving, credit, and homeownership planning, meeting you where you are and helping you reach your full potential.

What We Offer

Our Empowerment Center provides personalized guidance that supports your financial wellness journey, including:
 
  • Financial Education & Coaching
    Clear, supportive education to help you understand your money and take control of your financial direction.
  • Budgeting & Spending Plans
    Hands-on help building a budget that fits your real life, today and long-term.
  • Savings Planning
    Practical strategies to strengthen savings habits and create stability over time.
  • Credit Coaching
    Guidance to better understand credit, improve it, and use it wisely.
  • Homeownership Planning
    Support to prepare for future homeownership through credit readiness, budgeting, and planning.

Budgeting Support

Budgeting is more than tracking spending. It’s building a plan that matches your goals. During your session, we provide a full exploration of your finances, including:
 
  • Income Review
    We explore all sources of income to understand what’s available each month.
  • Expense Allocation
    We help determine a proper allocation of expenses, prioritizing essentials while making room for savings and goals.
  • Expense Management
    We review spending patterns and identify areas where small changes can create big results.
  • Healthy Financial Habits
    We examine day-to-day habits and best practices that support progress and consistency.
  • Goal Setting
    We help you define clear goals and create realistic steps to reach them.
  • Debt Management
    We look at balances, payment strategies, and options to help you reduce debt over time.
  • Emergency Planning
    We work on building a safety net so unexpected expenses don’t derail your momentum.

Who We Serve

Any RVA Financial Credit Union member or potential member can receive Empowerment Center support, regardless of financial background or circumstance.
 
Our goal is to provide respectful, judgment-free guidance that helps every member feel confident and capable.

Community Impact

The RVA Financial Empowerment Center is also proud to support the Richmond community. We partner with local organizations, schools, and businesses to provide financial literacy workshops when needed. Visit our Community Engagement page (hyperlinked) to see a list of our partners. 
 
These complimentary workshops help Richmond residents overcome challenges, build financial confidence, and work toward their goals.

Appointments & Location

The Empowerment Center is available by appointment at:
1700 Robinhood Rd., Richmond, VA, 23220 during regular business hours.
 
If you’re ready to take the next step, we’re ready to meet with you, one-on-one, at your pace.

Empowerment starts here. Unlock your potential.

Let’s build your next chapter, together.

To schedule your appointment call/text (804) 404-7335 or email EmpowermentCenter@RVAFinancial.com.

Schedule Your Appointment
1700 Robin Hood Road
Richmond, VA 23220

Banking should feel easy,
and with us, it is.

Download Mobile App
Android | iPhone

 Call anytime 24/7
(804) 359-8754

Follow us!

Tap or scan
with your mobile device.

Facebook Youtube Instagram Linkedin Tiktok

Routing # 251082495    |    NMLS#523374  |  Privacy Policy

If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 804-359-8754 for assistance. All products and services available on this website are available at all RVA Financial Federal Credit Union full-service locations.

1 Rate effective as of 03/01/2026. Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit and include discounts. Members may be eligible for up to 2 of 3 available discounts (up to a 1% APR rate discount), which includes a 0.50% discount for an approved automated payment method, a .50% discount for a loan-to-value (LTV) that is 100% or less, and 0.50% discount for Loyalty for members who have had a loan with us within the last five years or membership history of 10+ years. Subject to credit and collateral approval. Minimum and maximum loan amounts apply. Ask us about other APR and longer term options. Please contact us for specific terms, rates, available discounts, and information about loans originated at dealerships that participate in our Preferred Dealer Network.

2 Rate effective as of 03/01/2026. Minimum and maximum loan amounts or credit limits apply. Your APR will be determined based on our internal credit criteria. Listed APRs assume excellent credit and include discounts. Members may be eligible for up to 2 available discounts (up to a 1% APR rate discount), which includes a 0.50% discount for an approved automated payment method, and a 0.50% discount for Loyalty for members who have had a loan with us within the last five years or membership history of 10+ years. Subject to credit approval. Minimum and maximum loan amounts apply. Ask us about other APR and longer term options. Please contact us for specific terms, rates, available discounts.

3 Rate effective as of 03/01/2026. Standard APRs for purchases and balance transfers will apply and is subject to change. We will begin charging interest on balance transfers on the transaction dates. Earn 1% cash back up to $50 monthly, $600 annually on purchases. Cash back is redeemed to share savings at month end. 1% not earned on interest, fees, cash advances, balance transfers, and must be current. RVA Financial is not responsible for any charge owed to any creditor because a payment was not applied by a specific date. RVA Financial also reserves the right to decline any balance transfer request and may decline any that exceed the available credit limit. View our Card Agreement & Disclosure Statement for more information. Subject to credit approval. Minimum and maximum credit limits apply.