Build Credit. Build Confidence. Start Fresh.

Whether you’re just starting out or getting back on track, our Credit Builder Loan gives you a simple, secure path to stronger credit and better financial habits.

How It Works

With one smart investment, you get:

• A Share Secured Loan – borrow against your own funds while building positive payment history
• A Secured Credit MasterCard® - with a spending limit based on your deposit, backed by rewards and low fixed rates
• Monthly payment reporting to Transunion and Equifax to help grow your credit score
• A clear path to graduating into unsecured credit over time

Why Member Choose It

• Build or rebuild credit safely – no debt trap
• Stay in control – you choose your deposit and loan amount
• Earn while you build – your secured deposit earns dividends while helping you qualify for more down the road
• Set yourself up for success with support from ALCU’s team and access to financial literacy tools

Optional Add-Ons for Extra Protection

• Payment Protection Plan – covers monthly payments or loan balance in case of death, disability, or involuntary unemployment.
• Free financial counseling with a Certified Credit Union Financial Counselor (CCUFC) to keep you on track

Easy Ways to Pay

• Set up automatic monthly payments via direct deposit or ACH
• Pay anytime through Online and Mobile Banking
• Pay with your debit or credit card online
• Mail you payment to us
• Visit our branch or a shared branch location

Ready to Start Fresh?

• Apply online to take the first step toward financial freedom; or
• Talk to a local loan specialist who can help you find the best option for your needs.

Membership eligibility required. Rates, terms, and conditions may vary. Optional protection products are available and may have additional costs, eligibility requirements, and exclusions. Payment convenience features may have fees to use. Contact us for full details. Product eligibility is based on membership and deposit requirements. Loan and card limits based on secured deposit amount. Contact us for complete details.