Build Credit with NESC

Credit Building Made Simple

Improving your credit score is one of the most important steps toward financial success. At NESC Credit Union, we make it easy to build or rebuild credit with straightforward products designed to help you establish positive payment history, improve your credit score, and move toward your goals with confidence.
 

Credit Builder Options at a Glance

Two simple ways to build credit: save as you go with a Credit Builder Loan or use a Secured Credit Card for everyday spending.

Credit Builder Loan
  • Borrow a small amount, secured by your NESC savings account.
  • Make affordable monthly payments that are reported to all three credit bureaus.
  • End with both stronger credit and savings set aside.

Secured Credit Card
  • Credit limits up to $2,500 with a low fixed rate.
  • Perfect for members new to credit or rebuilding after setbacks.
  • Use for everyday purchases and payments are reported to all three credit bureaus.
Credit Builder Loan
Looking to build or rebuild your credit? A Credit Builder Loan can help! Borrowed funds are placed in a savings account and held until the loan is paid off, boosting your credit as you go!
 
 

Credit Builder Loan Details

Secured Credit Builder Card
The Visa Credit Builder Card helps you establish or rebuild credit with a secured limit up to $2,500 and a fixed 12.50% APR. Earn rewards while building financial confidence—backed by NESC support.
 

Credit Builder Card Details

NESC Mobile App
Stay on top of your credit journey with the NESC Mobile App. Monitor your credit score and report, track spending, set payment alerts, and make loan or card payments anytime.
 
 

Credit Tools in the App





































Frequently Asked Questions About Credit Builder Loans & Secured Credit Cards

 
What is the fastest way to build credit?
The fastest way to build credit is by making consistent, on-time payments. NESC’s Credit Builder Loan and Secured Credit Card are both reported to all three major credit bureaus each month.
 
Can I get a credit builder loan or secured card if I have bad credit?
Yes. These products are designed specifically for members with little, no, or damaged credit who want to start fresh.
 
How long does it take to improve my credit score?
Most members see progress within 6–12 months of consistent, responsible payments — though the exact timeline depends on your personal credit history.
 
Which is better — the Credit Builder Loan or the Secured Credit Card?
It depends on your goals. A Credit Builder Loan helps you save money while building installment credit. A Secured Credit Card helps you practice everyday spending while building revolving credit. Using both can be even more effective.
 
Does NESC report to all credit bureaus?
Yes, both the Credit Builder Loan and Secured Credit Card report monthly to the three major credit bureaus: Experian, Equifax, and TransUnion.
 
Can I learn more about how credit works?
Yes! NESC Credit Union’s Learning Center is full of tips, guides, and resources to help you understand credit scores, credit reports, smart borrowing — and so much more. It’s a great place to learn while you build your credit with us.