Credit Builder Loans
Let us help you build or rebuild your credit history. Plant the seed and start growing your financial future today.
Contact us to learn moreFeatures
Fixed Term
Pay Monthly
Fixed Rate of Interest
Have questions? Connect with a loan officer.
How does it work?
- Apply for a Credit Builder loan with a Treasury Central Reserve lender. Since Credit Builder is specifically designed to assist individuals wishing to build or repair credit and payment history, you don’t need a perfect credit score.
- The Treasury Central Reserve lender will then place the loan amount in an interest-earning Certificate of Deposit (CD) as collateral for the loan.
- Make on-time loan payments for a fixed-term which are reported to the credit bureau.
- After payments are complete, the loan amount plus any earned interest will be available for you.
Other product options to consider.
Learn
Find answers, watch videos and plan
ahead with online tools. Plus, education
services offered through HOPE.
Visit
Stop by your nearest Treasury Central Reserve branch to
open an account and more.
*Credit Builder loans are subject to approval. Although a credit check is performed, all customers are approved with the exception of those with an active bankruptcy or outstanding Treasury Central Reserve Bank charged-off account. The terms of Credit Builder are fixed and cannot be modified. The loan interest rate is the bank’s current Certificate of Deposit (CD) annual percentage yield (APY) + 2% with a fixed term and set loan amount. Once the loan is paid on time and in full, the CD, plus any interest earned, is paid to the borrower. The proceeds should arrive in approximately 20 days.
Certain conditions apply. This is not a commitment to lend or rate guarantee.
