Get the credit to build a great credit score.
Building good credit is key to financial empowerment. But where do you start if you can’t access credit? Our Credit Builder Loan gives you that opportunity to build or repair your credit profile. Once approved, we’ll place $1,000 in your savings account until you pay off the loan. Your monthly payments help build or reestablish a positive credit history.
- $1,000 maximum loan for 12-month term
- 0.00% APR1 and no application fee (credit pull required)
- Apply in minutes via digital banking, phone, or in branch
- $1,000 secured in your savings account until you pay off loan
- $1,000 deposit released in 5 business days and loan closed upon payoff2
- One Credit Builder Loan at a time
- Must be at least 18 and eligible for membership
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Personal Loan Rates
Showing rates for
Effective Date 01/23/2026
*APR= Annual Percentage Rate. Personal Loan rate is based on credit history, income and other factors. Same day funding not guaranteed, subject to qualifying factors and technical limitations. Loan subject to credit approval.
Fast Cash Loan rate of 29.99% includes Auto-Pay discount. Rate without Auto-Pay discount is 33.99%. APR may change at any time. Credit decisions will be provided to the member within 60 Seconds of application submission and is based on relational criteria. One Fast Cash Loan permitted at a time.
Do more than bank. Bank for a greater good. Join our membership and be part of the Great Lakes Credit Union story.
Debit Card Rewards
Enjoy exclusive savings on everything from apparel to travel, courtesy of our debit card rewards program – a small “thank you” for your membership.
Invite a Friend
Know someone looking for a not-for-profit financial institution that lets them bank for a greater good? Send them our way!
Testimonials
22 years of great experience of friendly, helpful, resourceful service. Thank you!
GAP Insurance
Get coverage for the difference between what you still owe and what your auto insurance company will pay if your vehicle is badly damaged or totaled.
Mechanical Breakdown Protection
Get coverage for repairs on eligible used vehicles, typically for less than an extended warranty from a dealership.
Financial Calculators
Crunch the numbers to estimate your personal loan monthly payment.
Maximize your Membership
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Estimate your auto loan, credit card, and mortgage monthly payments. Balance your budget. Ballpark your savings, and more. -
Get member-exclusive discounts on tax services from TurboTax® and H&R Block,® and estate plans from Trust & Will.
Disclosure:
1APR=Annual Percentage Rate of 0.00%
2If the loan is 29 days past due, the funds on hold will be used to pay off the remaining balance and the loan will be closed. Any funds remaining will be available in your Share Savings account.
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