Credit Builder

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

 

We can help you create or restore your credit score.

credit builder

AERO Federal Credit Union thrives on the core purpose of making a difference in members’ lives by providing financial opportunities. Our  goal is to help borrowers establish positive credit.

Credit Builder Loans

We all know a low or no credit score can make even your basic financial needs a struggle. That’s why AERO has developed a Credit Builder program to help you get your credit started or back on track. Your credit score can impact you in a variety of ways:

  • The interest rates you receive on loans
  • Your ability to rent or purchase a home
  • Whether a potential employer will hire you
  • Rates you pay on your insurance

If you want to establish credit for the first time, or need to rebuild your credit, our Credit Builder Loan can help!

Build your credit and build your savings at the same time. The money you borrow is placed into a CD; we call them Share Certificates. You make easy monthly payments and once you have paid the loan in full, the funds from the Share Certificate become available to you to use or keep as a savings for future needs.

Your successful payment history on your Credit Builder Loan will be reported to the credit bureaus, which can positively impact your credit score.

  • Loans from $1,000 – $5,000
  • Terms of 6 months, 1, 2, and 3 years
  • Your Share Certificate will earn you interest.
  • Competitive rates

The Credit Builder Loan program is your first step towards creating or restoring your credit. It’s simple, smart and part of AERO’s credit recovery products.


Apply Today

Pay Yourself First

When you make your monthly payment, you’ll also build a habit of putting something aside each paycheck. “Paying Yourself First” is a great habit for building a brighter future.

road to horizon

Talk to a Member Representative at any branch, apply online or call us. We’re ready when you are.

Current Rates

Savings Secured

Up to 60 months

4.00

%
APR*
Credit Cards

as low as

7.92

%
APR*
Home Equity

Fixed Rate

4.75

%
APR*
Auto Loans

Up to 72 months

2.99

%
APR*
Motorcycle

as low as

4.24

%
APR*
Personal Loans

as low as

7.75

%
APR*
Boats or RVs

as low as

4.75

%
APR*
* Interest rate is based on the loan term and credit score.

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