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Overview
Credit Builder from UHFCU
The Smarter Way to Build Credit
Building credit can feel overwhelming, but it doesn’t have to be. UHFCU’s Credit Builder Program is designed to help you start small, build positive credit habits, and unlock more financial opportunities over time – one step at a time.
Level 1: Orientation
Start small and build a stronger credit history with a Credit Builder Loan* up to $1,000.
Your loan funds are placed into a high-yield Credit Builder Savings account, where your money can earn interest (2.75% APY**) while you make monthly loan payments and build positive payment history.
Make every payment on time and get rewarded: once the 12-month term is complete, the interest you paid on the loan will be refunded to you.
Level 2: Your Growth Era
After successfully completing Level 1, you are eligible to receive a pre-approved UHFCU credit card to continue building your credit.
Standard guidelines and rates apply.
Level 3: Graduation
Continue your progress and gain access to larger loan options and special rates designed to help you take the next step in your financial journey.
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Rates
Loan Products Terms APR* Credit Builder Loan
12 months 7.99%1 Apply Now Rates are accurate as of 10/2/2026 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us.
* APR = Annual Percentage Rate
1 All loans are subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available, including a discount for automatic payment. Certain restrictions and promotional terms may apply.Account Name Min. Balance to Earn Dividends APY* Credit Builder Savings
$0-$5,000 2.75% Portion of balances over $5,000 0.07% *APY = Annual Percentage Yield. Rate applies to balances up to $5,000. Any portion of the balance greater than $5,000 will earn the Savings rate. Eligibility limited to participants in the UHFCU Credit Builder Program. Dividends are credited and compounded monthly. This schedule is incorporated as a part of your account agreement with the UHFCU. Minimum balance requirements apply to daily balance. Rates are accurate and effective as of 10/2/2026 and are subject to change without prior notice. Fees or other conditions could reduce the earnings on the account. If you have any questions or need current rate information, please call (808) 983-5500 or contact us through our Contact Us page.
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FAQ
FAQs
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Who qualifies for the Credit Builder Program?
The Credit Builder Program is for borrowers with little or no credit history.
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Who qualifies for the Credit Builder Program?
Credit Builder Loan
*APR = Annual Percentage Rate. All loans are subject to credit approval. Actual rate received is based on your credit qualifications. Certain restrictions and promotional terms may apply.
Credit Builder Savings
**APY = Annual Percentage Yield. Rate applies to balances up to $5,000. Any portion of the balance greater than $5,000 will earn the Savings rate. Eligibility limited to participants in the UHFCU Credit Builder Program. Dividends are credited and compounded monthly. This schedule is incorporated as a part of your account agreement with the UHFCU. Minimum balance requirements apply to daily balance. Rates are accurate and effective as of 10/2/2026 and are subject to change without prior notice. Fees or other conditions could reduce the earnings on the account. If you have any questions or need current rate information, please call (808) 983-5500 or contact us through our Contact Us page.
