Build credit, create opportunities
Our Credit Builder loan can help you establish good credit and set yourself up for the future.1
Low rates
Build your credit with great low rates.
Borrow more
Build credit with loan amounts up to $2,000.
No prepayment penalties
Pay off your loan at any time without prepayment penalties.
Flexible terms
Shorter term limit options give you flexibility.
Friendly service
Visit us at a branch, by phone, or online, for friendly member-focused service.
Expert support
Our experts know their stuff! When you have questions or need guidance, count on us.
Today's rates
View more ratesCalculate your monthly payment3
Monthly Payment
Don't pay more to build credit
Building credit shouldn't put you deeper into debt. A competitive-rate Credit Builder loan helps keep your payments affordable.
A term to fit your goals
Want to repay your loan faster? We offer convenient short term lengths to help build credit quickly.
Members tell us they feel like they're treated like family and appreciate their interactions with employees.
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1
Submit an application
Fill out an application online or visit us at a branch.
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2
Get approved
We'll crunch the numbers and let you know if you're approved.
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3
Get your money
Make your payments and receive a lump sum at the end of the loan.
Have questions? We're here to help!
Build credit, not debt
With low rates and convenient terms, a Credit Builder loan helps establish or improve your credit so you can qualify for opportunities down the road.
Disclosures
1 Members Cooperative Credit Union does not guarantee the results or impact of a Credit Builder loan on a borrower’s credit report or score. Failure to make timely loan payments may result in negative reporting to the credit reporting agencies and a negative impact to your credit history or score. Credit Builder loans do not impact past credit history. Credit Builder loans must be secured by a Members certificate. Restrictions apply.
2 APR is the Annual Percentage Rate. The stated APR is effective as of November 21, 2024. Rates, terms and conditions may change at any time.
3 The calculator is provided for informational purposes only and any calculation is solely an estimate based on the information you provide. There is no guaranteed rate or earnings on a checking account. Contact Members Cooperative Credit Union at 1-800-296-8871 for more information.
Membership and loan approval required.
Use of online or other electronic services may require specific hardware and software and your agreement to certain terms and conditions. Access is subject to the availability of the internet, cellphone and network coverage and plans, and typical service interruptions stemming from your providers or the credit union’s providers.
Rates
Credit Builder loan rates
| Loan | APR as low as |
|---|---|
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Credit Builder loan |
5.20 |
Open Account
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