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Chartway will NEVER contact you directly and ask for specific confidential information (login credentials, PIN, card number, etc.). Be aware of fraudulent text and phone scams and take extra precaution. If you are contacted unprompted, please call us at (800) 678-8765. We are here to help keep your accounts safe.

Credit Builder Loan

A Loan that Grows With You

For members eager to build or improve their credit scores, this loan combines the benefits of saving with establishing credit. The borrowed amount is held in your account for safekeeping while you make scheduled payments. Once your loan is paid in full, you’ll have access to the funds to kick-start your emergency savings or put toward another important savings goal.


  • Loan amount: $500 or $1000 
  • Repayment Terms: 6 or 12 months
  • Rate: 3% above the variable dividend rate
  • Positive credit reporting with on-time monthly payments

To start your application, visit us in branch or give us a call at (800) 678-8765!

*Rates and Terms subject to change without notice. Only one open Credit Builder Loan per primary member; funds pledged until loan is paid off; Loan Assure not available.

Build Your Credit - Secure Spending and Free Credit Insights:

Empower your financial journey with security and confidence, paving the way for a brighter financial future.

Unlock the door to your financial dreams with a tool that reflects your creditworthiness and opens up a world of opportunities.