Skip to main content
Online Banking

Enroll Now | Forgot Password

Build and Save Loan

Looking to establish or improve credit history? Want to save money for yearly expenses or a much-needed vacation but do not have the self-discipline to do so? With our Build and Save Loan you can both things at once!

How does this work?

When you apply for a Build and Save Loan, we process this as a Signature Loan. There is no underwriting needed since we secure the loan with the same loan proceeds that you applied for. Loan proceeds are deposited into your savings (or Club) account and held in full until the loan is paid off.

How will this improve my credit history?

By making on time monthly payments, you will establish good credit history. We report to Experian and Equifax credit bureau.

What if my credit history isn’t that good?

No need to worry! We don’t pull credit history nor does the loan go through the regular underwriting process. You secure the loan with the same loan proceeds you requested.

When will my funds be available?

Once the loan is paid in full, the original loan proceeds that were held as collateral will be made available to you.

Helping you improve credit while saving money for the future.


Conveniently apply online! Please be prepared to provide proof of income (i.e. your last two pay stubs, most recent W-2, or a statement from your financial institution showing two or more regular direct deposits). Proof of income can be uploaded with your online loan application.

Loan processing takes approximately 24-48 hours to respond to a request. We make every effort to determine how we can help your financial well-being. In the instance we are not able to offer the loan requested, we will sometimes counteroffer a product or service we feel would help you.

Apply Today