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Credit Builder Solutions

Build your credit with confidence! Our Credit Builder Solutions are designed to help you establish a strong credit history and improve your credit score by focusing on payment consistency—one of the most important factors in credit success.
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Credit Builder Loan

Get Started the Right Way with a Pathways Credit Building Loan!

With Pathways Credit Builder, you can borrow a small amount of money – you choose how much! – and pay yourself back over time to build credit. At the end, you keep what you borrowed! Interested? See below for details!

How it works:

  • Step 1: Choose Your Monthly Payment
    Pick a payment amount that works for your budget. Since this loan is designed to help you build credit and savings, choose an amount that’s manageable while helping you reach your financial goals.
  • Step 2: Make Your Monthly Payments
    Stay on track by making on-time payments—just like a regular loan, except you’re paying yourself back! Easily manage payments anytime, anywhere through Online or Mobile Banking.
  • Step 3: Build Credit & Grow Your Savings
    Here’s the best part—each payment helps strengthen your credit* history while also growing your savings. It’s a win-win!

Secured Credit Card

Build Credit. Gain Confidence. Secure Your Future.

Looking to build credit and develop strong financial habits? Our Secured Credit Card is a smart way to get started. With a refundable cash deposit (starting at $500) as your credit limit, you can use your card just like a regular credit card. Plus, your responsible usage and on-time payments are reported to all three major credit bureaus, helping you establish credit history.*

With good payment history, you can request an upgrade to an unsecured credit card—if approved, your deposit is returned to you!

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Share Secured Loan

Boost Your Credit While Keeping Your Savings Intact.

A simple way to build credit while keeping your savings intact! This loan is backed by your own deposit, allowing you to borrow against it at a low interest rate. As you make on-time payments, we report them to all three major credit bureaus (Equifax, Experian, and Transunion)—helping you strengthen your credit* score over time.

*Making timely payments can help build or improve the borrower’s credit score, while missed or late payments may have a negative impact. Loan activity (e.g., on-time payments or missed payments) will be reported to one or more of the major credit bureaus. We do not have control over your credit score: Although timely payments may improve your credit score, we do not guarantee a specific outcome or improvement in your score. Your credit score is determined by various factors, including your payment history, credit utilization, length of credit history, and other outstanding debts.

Telephone Banking (614) 278-6152
Email mail@pathwayscu.com
Phone 1 (800) 367-7485