Good credit begins with the basics!

Let us help you with step-by-step tools and exciting new products.

We are here to help you build a solid foundation toward financial wellness!

1^st Credit Card

Start building your credit with a low-rate Visa. Earn Rewards on everyday purchases with no cap on maximum rewards earned.

“Why is building credit so important?”

• Good credit = lower interest rates!
• Increased borrowing capacity
• Beneficial for major purchases like a home or car
• Lower car insurance premiums
• Easier access to credit opportunities
• More apartment lease options
• Helps satisfy employment background checks

Rewards & Benefits

• FICO Credit Score on Quarterly Statements – FREE!
• Great Purchase Rewards
• REAL TIME Fraud Alerts
• Credit cards can be issued instantly on-site

Eligibility Criteria

• These products are intended for individuals with little or no credit.
• Individual credit only. Not intended for co-borrowers / co-signers.
• Verifiable and consistent income source required
• Graduating students with a written employment offer may be considered
• If this doesn’t sound like you but you are looking for a Visa Credit Card, you may be interested in our Visa Signature or Classic Cards with great perks and better rewards!

1^st Auto Loan

You’ll always remember your first car! Let Advantage FCU put you in the driver’s seat with our 1st Auto Program. We want you on the road to financial success.

• No co-borrower required
• Must be 18 or older
• Must have a valid Driver’s License

Eligibility Criteria

• No credit history required
• Cannot have any delinquent credit history including collection accounts, or any record of unpaid overdrawn accounts or account abuse reported to ChexSystems or similar agencies
• The applicant will have to take and pass a credit-building course and upload a copy of the certificate before closing on the loan
• Verifiable consistent income source for at least six months
• Graduating students with a written employment offer may be considered
• Maximum amount financed not to exceed $30,000 and up to 100% of the MSRP value
• Terms will not exceed 72 months
• Applicant must have a valid Driver’s License (No permits, suspended or restricted licenses)
• Vehicle must be bought through a franchise dealership that represents a manufacturer. No private sales.
• If this doesn’t sound like you but you are looking for an Auto Loan, you may be interested in one of out standard Auto Loans with everyday great rates!

Looking for more information? Click here for our Credit Builder* Education Document.

*Credit Builder Products are not guaranteed to build credit and/or increase your credit score.