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CREATE A STRONG FINANCIAL FUTURE

Build or Rebuild Your Credit History

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Low or no credit score? Our Credit Builder loan is a share-secured personal loan designed to help you move forward financially.

  • Use your savings as collateral
  • Enjoy a fixed low rate and steady monthly repayments
  • Build credit history as you make on-time payments
  • Your savings keeps earning interest
  • No maintenance fees or prepayment penalties
  • Unsecured personal loans are also available

Plus, you can manage your loan 24/7 with our free online banking and mobile app to check your balance, make payments and more.

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Why get a Credit Builder loan?

If your low credit score or lack of score is holding you back, a Credit Builder loan can give you a fresh start. Here’s how:

  • Lower interest rates
    There are zero steep borrowing costs here – this is probably the most affordable way to improve your credit score.
  • Smarter, stronger savings
    Your savings that are used as collateral stays safe and insured at the credit union, and it keeps earning interest for you.
  • No big requirements
    Because the loan is secured against your savings, just about anyone can qualify for a Credit Builder loan.
Step into Financial confidence

How a Credit Builder Loan Works in 3 Steps

Secure Your Loan

Pledge your savings as collateral to help qualify for a low-rate loan. For example, a $1,000 loan means $1,000 from savings is frozen while you repay your loan.
01

Achieve Your Goals

Use your loan for almost anything you need—finance a big purchase, pay off credit card debt, cover everyday expenses and more.
02

Boost Your Credit Score

Borrowing responsibly can improve your credit history, payment history, and credit mix—all key factors that help determine your credit score.
03
Plan Smarter, MAKE INFORMED DECISIONS

Loan Calculators

Crunch the numbers to help see what’s right for your budget and needs.

Debt Payoff
Countdown

See how quickly you can pay off debt on your personal loan.

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Loan Payment
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Estimate monthly payments on your loan and plan your budget.

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Debt Consolidation
Calculator

Compare options to simplify and save on debt repayment.

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