Credit Challenges?
We've got you.
Boost your shot at loan approvals, higher limits, and lower interest rates with a Credit Builder Loan. Responsible use can improve your credit health, and that could open up new opportunities like the flexibility of a Partners credit card, buying a car, owning a home, or simply gaining peace of mind.
Here's how a Credit Builder Loan works:
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Apply with a financial coach
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Partners funds your loan and securely holds the funds in a savings account as you build credit
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Create a positive payment history with on-time, recurring payments at a low 3.50% APR*
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After 12 months, you unlock $1,000 in savings
To help you stay on track, enroll in Credit Score, our free credit monitoring tool available in online and mobile banking. It’s the easiest way to view your score, stay informed, and watch your progress month-to-month.
Your Guide to Building Credit
Frequently Asked Questions
Will this loan affect my credit score?
Yes, in a good way! Your monthly payments are reported to major credit bureaus, which can help improve your score over time if you pay on time.
Do I need a credit history to qualify?
No prior credit history is required. This loan is specifically designed for those starting out or rebuilding.
What happens if I miss a payment?
Missed payments may negatively impact your credit score. We recommend setting up automatic payments to stay on track.
Can I access the loan funds before the term ends?
The funds are held in a secure account and released only after the loan is fully repaid. This structure helps ensure you build savings and credit simultaneously.
Federally insured by NCUA.
*APR = Annual Percentage Rate. 3.50% APR is accurate as of June 1, 2026. Funds are held in a secured savings account and released upon full repayment of the loan. Monthly payments are reported to major credit bureaus. Making on-time payments may help improve your credit score; however, results are not guaranteed and may vary by individual. Terms and conditions apply.
Personal 1-on-1 Financial Coaching
We know juggling finances along with everything else life throws at you can be challenging, but we're here to help. Partners Members can access free one-on-one financial coaching to help review your budget or manage your debt.