Our Oak Creek branch at 6400 S. 27th St. is closed for remodeling, please continue banking with us online or at our grocery store location next door (6462 S. 27th St.).

Credit Builder Program

Making dreams possible

The credit builder program is designed to help those who are new to the credit system build a credit history and save for a down payment or other need. Our team of bankers is ready to work with you to help you accomplish your dream, whether it’s to own a home, open your first credit card, or purchase a vehicle.  The credit builder program is a great way to get started by providing a positive credit trade line to improve your credit score.*

How it works

  • Credit builder loan proceeds are deposited into a certificate of deposit or restricted credit builder savings account at Tri City used as collateral for the loan.   
  • You will have access to the funds when the loan is paid in-full; keep in mind funds will not be available at closing.
  • The monthly payments are reported to the credit bureau building your credit history.  
  • To help ensure your payments are on time, you have the option to have your banker set up automatic payment out of your Tri City checking account. If you don’t yet have a Tri City checking account or debit card, we can help you get started. 
  • At the end of the term, you will have the funds in your certificate of deposit to use as a down payment or for other needs. 

Apply Now  

Build enough credit to:

  • Increase your credit score
  • Get a credit card
  • Finance a home or vehicle purchase
  • Establish credit as a young adult or someone who has avoided credit

Credit Builder Benefits:

  • Build down payment towards a major purchase
  • Build savings for a strong future
  • Establish credit as a young adult or someone who has avoided credit


Call a hometown lender at 414.867.8414.

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