\Credit Builder Loans

Build Your Credit  •  Save Money  •  Earn Interest

If you’re like a lot of people, you’ve run into a little financial trouble now and then. Did you know that nearly a third of Americans have a credit score under 600? That means you may have trouble getting an affordable loan or credit card. TopMark FCU is here to help. Our Credit Builder loan will put you back on track.

Improve your credit

As life changes, we’re right here to help you grow.

Jumpstart your savings

We’ll put the money you borrow into your TopMark savings account on your behalf.

Get interest back 

When your loan is paid off, the money you initially borrowed will be released to you.


Here’s how the TopMark Credit Builder loan works.

The money you borrow will be held as collateral as you make your monthly payments – and when your loan is paid off, the money you will be released to you. You’ll have saved a nice chunk of money, and you’ll have established credit or improved your credit score, which can help you qualify for lower loan rates in the future. It’s a great first step to a bright financial future!

  • $20 Application Fee
  • Loan amounts from $500-$1,000
  • Loan term of 12 months
  • 14.95% APR*
  • Payment history reported to credit bureaus


Apply today and start building your financial future.

Apply Online

*Annual Percentage Rate.  Rates, terms and availability of product subject to change without notice.