A credit builder loan is perfect for anyone* looking to establish their credit. We offer a Credit Builder Share Secured Loan at 3.5% APR* above the market interest rate, using the current shares you have on deposit as collateral. Here’s how it works:

  • Set aside and pledge $1000 in your share account for the credit builder loan.
  • Make 12 on-time monthly payments.
  • CREDIT IS ESTABLISHED & you still have $1000 in your savings account!  


*Must be 18 years of age in Iowa and South Dakota.  Must be 19 years of age in Nebraska. Annual Percentage Rate. Visit with a loan officer to learn the current market and share secured loan rate.