Building Credit
Ways you can start improving your credit score.
Are You Looking To Improve Your Credit Score?
We are here to help you make it happen. Explore our products and services designed to help you establish a solid foundation for your credit.
Low-Rate Credit Card
Apply for a low-rate credit card that doesn’t increate your rate when you make late payments.
Credit Report
Understand what factors are impacting your current credit score.
Free Credit Counseling
As a URW member, you can attend a free seminar or schedule an appointment with our Certified Financial Counselors.
Credit Builder Loan
Apply for a loan designed to build and improve your credit.
What You Get With a Credit Builder Loan
- Build or improve credit safely: Your on-time payments are reported to major credit bureaus, which helps establish a positive payment history. This loan can also help diversify your credit mix (installment vs. revolving credit like credit cards)
- Lower rates on Share Secured Credit Builder loans: if you secure your loan with your own funds, the interest rate will be lower.
- Increase savings: As you make payments, your original deposit remains untouched and may even earn dividends. As you pay down the loan, the funds are returned to your savings account.
Manage Your Credit Score
