Credit Builder

If you are starting on your path to financial success and have little-to-no-credit, then Credit Builder is for you. Establishing your credit and being confident in your credit score is made easy with our Credit Builder Loans. Great credit, here we come!

couple running through water on a hike

A CREDIT BUILDER LOAN IS BEST IF:

You have little or no credit established.

Credit Builder Auto

Use this loan to purchase your first vehicle or use the title to a vehicle you own outright to help you build credit history. This loan is repaid over time with a set number of monthly payments.

Please contact us through VideoChat or call us at 1-800-456-5067.

Loan Details

  • No loan origination fees
  • Same day approvals
  • Terms ranging from 6-36 months
  • Simple loan application

Share/CD Secured Loan

If you want to establish credit but don’t qualify for a conventional loan, you can put money in a savings account or certificate of deposit. We will use the money as collateral to issue you a small loan. Use this loan to buy school supplies, do car repairs, and more. This installment loan is repaid over time with a set number of monthly payments.

Please contact us through VideoChat or call us at 1-800-456-5067.

Loan Details

  • No loan origination fees
  • Same day approvals
  • Terms ranging from 6-36 months
  • Low interest rates
  • Simple loan application

Credit Builder Visa

A credit card is a great way to establish a credit score. Use your Credit Builder Visa to buy college books, purchase gas, or in case of an emergency. Make your monthly payments on time and watch your credit score grow.

Please contact us through VideoChat or call us at 1-800-456-5067.

Variable Platinum Visa Account Disclosure
Credit Card Agreement

Loan Details

  • $250, $500, and $1,000 credit limits
  • Straightforward fees and charges
  • Low minimum monthly payments

Secured Visa

If you are looking for a credit card but don’t qualify for an unsecured Visa, you can put money in a savings account or certificate of deposit. We will use the money as collateral to issue you a secured Visa. You can use this card to establish a positive credit history.

Please contact us through VideoChat or call us at 1-800-456-5067.

Loan Details

  • Straightforward fees and changes
  • Low minimum monthly payments

My Credit

Ever wonder what your credit score is or how to improve it? Well, let’s introduce you to My Credit! With a simple click you can check your credit score each time you log into eBranch. And yes, it’s all free. And no, it doesn’t affect your credit score.

Awesome credit score here we come!

Person checking their credit on their phone

Become a Member

Idaho Central Credit Union was designed with one idea in mind, helping members achieve financial success. If you live or work in Idaho or Washington, chances are you can become a member of Idaho Central Credit Union.

Find Out How