NOTICE: The financial community is seeing an aggressive increase in scams and phishing.  Utah Community Credit Union (UCCU) will never contact you to ask for your username, password, PIN or verification codes / code word. If you are concerned about a text message, call or email you receive, please contact our service center at 1-800-453-8188.

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Credit Builder

Credit Builder

Credit is part of your financial power!

It’s easy to setup a Credit Builder Loan from UCCU designed to help people begin to build credit.

(801) 223-8188

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UCCU’s Credit Builder Loan is a simple and easy way to build first-time credit or rebuild your credit.

UCCU’s Credit Builder Loan is perfect for when a child turns 16, or anyone looking to establish their credit history and a good score.

Why Open a Credit Builder for a Minor?

It’s easy to open a Credit Builder Loan for your child at the age of 16 so that when they become an adult, they have already established a credit history and have a good credit score. Plus this can help limit the need for cosigners when they are looking for an auto or home, and can save them a lot of money with a good credit score. 

What if I Need to Repair Credit? 

If you are looking to repair a negative credit history, then a Credit Builder Loan is a great place to build automated payments overtime that will increase your credit score.

*Some restrictions may apply. Credit score improvement is not guaranteed. Changes to your credit score are dependent on your specific financial behavior and history. Failure to make the minimum required loan payments by the payment due date each month may result in your loan payment(s) being reported as delinquent to credit bureaus which may negatively impact your credit score. Visit a UCCU representative for details. Federally insured by NCUA.