Our Cloverdale branch will permanently close at 6:00 p.m. on Friday, May 26. The new branch located at Stratford Executive Park (1100 S. Stratford Rd., Ste. 400B) in Winston-Salem will open Tuesday, May 30.

Credit Builder Loan Program

Whether you're starting out or starting over, we want to help.

We all know a low credit score can make even your basic financial needs a struggle. That's why your Credit Union has developed a series of Credit Builder products to help you get your credit on track.

Credit Builder Loans

Build your credit and build your savings at the same time. The money you borrow is placed in a special savings account, make monthly fixed payments, and once the loan is paid off, you'll have access to the funds in your special savings.

  • Loans from $1,000 to $5,000
  • Improve your credit score by keeping your payments current and paying off the loan as scheduled.
  • Great way to create a savings plan
  • Payroll deposit required

Credit Builder Visa Loans

We offer two Credit Builder Visa options. Secure a line of credit using your funds in a Special Savings Account or, secure the line of credit using fully advanced funds from the Visa. With the second option the available credit will be zero, but will increase as payments are made monthly.

  • Line-of-Credit up to $2,000
  • No Annual Fee
  • No Minimum Finance Charge
  • No Cash Advance Fee
  • 25 Day Grace Period On Purchases
  • Improve your credit score by making your monthly payments on time
  • Payroll deposit required

Credit Builder Auto Loans

Our partnership with Enterprise Car Sales allows us to offer special financing on great reliable used cars with low down payments.

  • Borrowers must qualify based on their ability to repay
  • Payroll deposit required
  • Minimum $500 down payment
  • Other qualifications may apply, contact our Loan Call Center for more details