You can develop a solid credit history — let us help. UFCU offers a safe pathway to credit-building for beginners or folks who just need to get back on track. We’ll hold an agreed-upon amount in your account. As you make on-time payments toward that amount over a specified period, you’ll build a positive payment history, and you may see an improved credit score. Best of all, once you make your final payment, you'll gain access to the total loan amount.

Sound too good to be true? UFCU can help you do it. The steps are simple:

• Apply for a Credit Builder loan at UFCU for a monthly amount (at least $30) that you select and a 6- to 24-month term of your choosing.
• Make your payments on time. Each month, we report your payment to the three major bureaus.
• When the loan term ends, we report your final payment and release the total loan amount in your account to you.

Your credit score could really climb! And afterward, you’ll have the money you have paid in your deposit account to save or spend as you like.