Credit Builder Loans

Build Credit

for as low as 12.10% APR.

Building or repairing credit doesn’t have to be difficult. Our Credit Builder Loans are designed to help you establish positive credit history while also building your savings. It’s a smart, affordable way to strengthen your financial future.

How a Credit Builder Loan Works

  • We set aside the loan amount in a special RFCU savings account.

  • You make on-time monthly payments toward the loan.

  • Each payment is reported to the credit bureaus, helping you build or repair your credit score.

  • When the loan is fully repaid, you get access to the money you’ve built up—plus better credit to show for it.

 

Benefits of a Credit Builder Loan from RFCU

  • Improve Your Credit Score – Perfect for members with no credit or those working to rebuild.

  • Build Savings at the Same Time – Your payments go into an account you’ll receive back at the end of the loan term.

  • Affordable Terms – Fixed payments and low rates that fit your budget.

  • Local Credit Union Advantage – Serving Turlock, Modesto, and Stanislaus County since 1948, RFCU puts members first with fair, transparent lending.

 

Start Your Financial Journey Today

Whether you’re just getting started or starting over, Rolling F Credit Union is here to help you take control of your financial future. Our Credit Builder Loans give you the tools to improve your credit, grow your savings, and open the door to more opportunities—like auto loans, credit cards, and mortgages—down the road.

Loan Protection Gives You Peace of Mind

The Rolling F loan protection products are designed to help you overcome any hardships that may come your way.

Help protect your loan payments against life’s unexpected events such as death, disability, or involuntary unemployment with Debt Protection.2

Ask to add Debt Protection when you visit The Rolling F.

Save money on your life, auto or property insurance and experience excellent service with TruStage Insurance.

Learn More

Don’t get caught in an accident without GAP Advantage with PowerBuy. If your car is totaled in an accident, GAP pays the difference between what you owe and what the insurance company says the car is worth.

Ask your Member Service Specialist for complete details.