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Routing # 211885946

Credit Builder Loan

 

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Financial Independence Starts with Good Credit

Are you looking to repair your credit history but you don't know where to start? If so, then a Credit Builder Loan might be for you.

What Is a Credit Builder Loan?

A share secured loan designed to help members build or repair credit history, regardless of whether they have funds available to pledge as collateral.

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Build Credit History

Timely payments are reported to credit bureaus, helping establish or repair your credit score.

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No Upfront Funds Required

Ideal for members starting from scratch — no need to have savings on hand to pledge as collateral.

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Affordable Payments

Low monthly payments sized to fit your income and expenses, with flexible payment schedules available.

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Guaranteed Approval

Available to all members regardless of credit history, with no credit pull required.

Credit Builder Loan at a Glance

Simple terms designed to fit your budget

$500
Minimum Loan Amount
$2,000
Maximum Loan Amount
$25
Minimum Monthly Payment
24 mo.*
Maximum Repayment
How It Works: As you make payments, loan proceeds are gradually unlocked in a separate Credit Builder Share, with the full amount available once the loan is paid off — building your savings and your credit at the same time.

Best For

A Credit Builder Loan may be right for you if you're...

Members Who Want To:

  • Build their credit score
  • Rebuild their credit score
  • Work toward financial independence

Loan Terms:

  • Minimum loan amount: $500.00
  • Maximum loan amount: $2,000
  • Minimum monthly payment: $25.00
  • Maximum repayment: 24 months*

Getting Started is Simple

Schedule an appointment to open your Credit Builder Loan

1

Schedule an Appointment

Meet with our team to discuss your Credit Builder Loan

2

Choose Your Terms

Select a loan amount and payment schedule that fits your budget

3

Start Building

Make on-time payments to build credit and savings together

Ready to Start Building Your Credit?

Take the first step toward financial independence today

Schedule Appointment View Rates

Loan Terms: All loans are subject to credit approval and underwriting guidelines. Interest rate is fixed for the term of the loan; see current rate sheet for details. *Maximum repayment term is 24 months; actual term and payment amount depend on the loan amount selected.

*A fixed Credit Builder Loan payment based on $1,000 at 6.95% APR for 24-months is $22.36.

*APR = Annual Percentage Rate;
APY = Annual Percentage Yield;
Terms and conditions apply.
Click here for Loan Rates & Disclosure. Click here for Home Loan Rates & Disclosure. Click here for Savings Rates & Disclosure.