Credit Builder Loan. Better Credit, Here You Come.

Establish a credit history for the first time, or rebuild yours with the Affinity Plus Credit Builder Loan.

  • Borrow up to $1,000
  • Fixed 6.00% APR*
  • Choose from 6, 12 or 18 month terms**
Megan, a Minnesota resident, on an orange background
Megan, Minnesota Resident

What You Get

A Fixed Rate

You’ll have the predictability of a fixed rate, so you’ll always have the same manageable payment.

18 Months to Pay

Take up to 18 months to pay the full loan amount – or do it sooner with no pre-payment penalty.

Credit Building

Your payments will be reported to all 3 credit bureaus, to help you build a good credit history.1

More in Your Savings

What you borrow will sit waiting in your Membership Savings, earning dividends through the term of the loan.

Getting Started is Easy

Not a member yet?

Membership is required for loans and accounts with us. But you can apply for most types and become a member at the same time.

Already a member?

Apply for loans and open additional accounts in the mobile banking app, from the More screen. Or log in to online banking, then click “Apply” in the upper-right.

We're here to help.

From video calls and chat to secure messaging, there are all kinds of ways to contact us.

How It Works

You borrow money.

The amount you borrow is put into your Membership Savings account, but frozen for you until the loan’s paid in full.

This money will be earning dividends the Membership Savings rate over the term of your loan. The dividends, paid out on a monthly basis, are not frozen in the account with the loan balance.

Make on-time monthly payments.

Your payments will be reported to the Equifax, Experian and Transunion credit bureaus each month. And because payment history is about 35% of your credit score, this could make a big impact on your credit history.

Automatic payments are highly recommended! And easy to set up in digital banking (on the Move Money screen). There you can schedule monthly transfers from another account here, or at a different financial institution.

Get your money back.

After you pay off the loan in full, the principal amount you borrowed is unfrozen and all yours!

Watch Your Credit Score

Log in to the mobile banking app or online banking for free and easy access to your credit score, credit report and credit monitoring.

Track your credit score and full credit report for free in online banking.


The Credit Builder Loan is a personal secured loan. New or existing Affinity Plus membership is required, and all loans are subject to approval. Proceeds from the loan will be paid to the borrower once the loan is paid in full.

* APR = Annual Percentage Rate. Rates are subject to change at any time without notice. The maximum APR is 6.00%. The stated rate reflects all available discounts, and some restrictions may apply.

** Payment Example: A loan of $1,000 for 18 months at 6.00% APR will result in an approximate monthly payment of $58.23.

1. The Credit Builder Loan does not guarantee credit score improvement. There are many variables that factor into your credit score. The best way to build credit with this loan is to make on-time payments every month.