Credit Builder Credit Card

Looking for your first credit card, or hoping to repair a less-than-stellar credit score? Here’s the perfect secured card to build credit through everyday purchases.

Features & Benefits

Young woman using her first credit card to build a good credit score.

Credit Score Building

Your usage of this card gets reported to major credit bureaus, helping you improve your credit score over time.

A man using his secured credit card to make a purchase online.

Secured Card

The limit on this credit card is tied to the amount in your savings account, to help you manage your spending and avoid accumulating new or additional debt.

A man paying at a restaurant using his credit builder credit card.

No Annual Fee

Say goodbye to costly fees. As a not-for-profit credit union, we’re able to pass savings on to our members and skip the fees other institutions typically charge.

More Details about our Credit Builder Card

Maybe your career is just getting started, or your financial track record is a notch or two less than perfect.

In either case, you still need a way to make necessary purchases, and it would help if you could build up - or repair - your credit rating.

That’s exactly what this card is designed for! You also get access to valuable perks and protection to keep your financial health secure:

  • Credit limit linked to balance in your savings account
  • No annual fee or balance transfer fee*
  • No cash advance fee
  • 25-day, interest-free grace period on purchases
  • 24/7 anti-fraud and ID theft resolution services
  • Emergency card replacement
  • Emergency cash advances
  • Use your card to get cash at Mastercard®/Cirrus ATM Locations
  • Mastercard Zero Liability Protection means that you're not held responsible for unauthorized purchases with your card.

*Some promotions may assess a fee.

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Competitive Rates

We keep our interest rates as low as possible to help our members save money on borrowing costs and get the flexibility needed to take control of their finances.



Interest Rates Certified by Datatrac

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Credit Builder Credit Cards FAQ

No, there is no minimum credit score for this card, but please note your credit score will influence the rate and credit limit you receive.

A secured card works like a regular credit card, allowing you to make purchases and pay them off over time. The credit limit is tied to the balance in your savings account to help you manage your spending. Your payment history is reported to major credit bureaus, which helps build your credit over time.

Missing a payment or defaulting on your secured credit card can have negative consequences, including a negative impact on your credit score. This is why we tie the limit to your savings balance, making it easier to keep spending down.

Digital Payments

Make quick, secure and touch-free payments online or in stores with your mobile device – all with the peace of mind.

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