All Tri City National Bank locations will be closed to honor and observe Memorial Day on Monday, May 29.

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 at Tri City and used as collateral for the loan. 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

Request info

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