Credit Builder

Ideal for members looking to establish credit or those with less-than-perfect credit, our Credit Builder loan uses your loan proceeds as security to establish financing. First Capital FCU will deposit loan proceeds into a share account, ultimately providing security for your loan.

All the while, you work toward building or repairing credit. We offer terms up to 60 months, plus a quick and easy, in-house process to help you get the financing you need, fast.

  • Competitive, fixed interest rate
  • Loan proceeds are deposited into a share account as security for the loan
  • Help build or repair your credit
  • $100 minimum
  • Maximum term is 60 months
  • Local Central Pennsylvania decision-making and processing
  • One-on-one, member-focused attention throughout the entire process

Add an extra layer of protection

Member's Choice™ Borrower Security provides peace of mind for both you and your family by providing debt coverage in the event that something unforeseeable should happen to you. Learn more about the benefits of debt protection today.