Scroll down to learn more about our financial tools and options to help you build your credit.
Tools & Options to Help Improve Your Financial Health
No Credit? Bad Credit?
Whether you need to build your credit for the first time, or rebuild your credit, Credit$ense1 is here to help.
- Borrow $500 – $3,000
- Enjoy a Low Fixed Rate
- Flexible Terms up to 24 Months
- Loan Proceeds are Deposited
& Secured in Your Savings Account
- Loans Paid On Time will Have a
Positive Effect on Your Credit History
12welve® Auto Loan Program
Build your credit, earn a lower rate, and enjoy your new ride!
How the 12welve® Program2 Works:
- Receive a 1% rate reduction after 12 consecutive on-time monthly payments
- Receive an additional 1% rate reduction after 24 consecutive on-time monthly payments
- Receive an additional 1% rate reduction after 36 consecutive on-time monthly payments
Financial Empowerment Program
*APR = Annual Percentage Rates. All loans are subject to credit approval.
1Loan amounts between $500.00 and $3,000.00. Not to be combined with any other rate discount programs or incentives. Terms and conditions may change without notice. Loan proceeds will be deposited into the member’s savings account for the term of the loan and will be provided to the member upon final loan payment. Payment example: $1,000.00 loan at 6.99% for 24 months equals a monthly payment of $44.77. Membership eligibility required.
2Eligible borrowers will qualify for rate reductions after making 12 consecutive on-time monthly payments. Borrowers will be able to receive a maximum of 3 rate reductions after each 12-month period in which all monthly payments were made as scheduled. Loan amounts up to $25,000. Additional criteria may apply. 12welve is only available for new and used auto loans. 12welve cannot be combined with any other rate discount programs or incentives. Offer is subject to credit approval. Terms and conditions may change without notice.
3Membership required for the no-cost Financial Empowerment Program.
Membership eligibility required. Federally Insured by NCUA. Equal Opportunity and Equal Housing Lender.