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Online Banking

Credit Builder Loans

Borrow a little to build up a lot.

We all know how critical a strong credit score is. Conversely, a poor credit score will typically cause you to pay higher interest rates on loans and credit cards, prevent you from buying or even renting a home, and it may even create an obstacle to landing a job.

If you’re trying to establish credit, build your credit score, or rebuild your damaged credit, our Credit Builder Loan is the perfect product to move you along. By making timely payments, your credit rating will improve over time.

Loan Services


  • No application fees
  • No prepayment penalties
  • Loan amounts from $1,000 to $5,000 based on individual income and credit
  • A fixed rate loan*
  • Can be repaid through direct deposit or automatic transfer
  • Counts as installment credit—will not affect your credit score as much as revolving credit (like credit cards)

Talk with us. Let us know what’s going on with your credit and what you’re trying to accomplish. Then, we’ll structure a loan to best suit your needs.


Rate is 14.99% APR.