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We can help you establish your good credit history or start rebuilding your credit with our Credit Builder Loan.

Build or repair your credit with this low-cost loan

Building credit is important. It can save you thousands when it comes time to borrow money for a car or get a credit card. With most lenders, the higher your credit score, the lower your loan rate. Whether you're wondering how to establish credit or you'd like to improve your existing score, a Credit Builder Loan could be for you.

What is a Credit Builder Loan?

With a Credit Builder Loan, you request a loan amount typically between $500-$1,000. The approved loan amount is placed in your Chesterfield Federal Credit Union savings account, where it will earn interest. The loan balance is paid off over a term of six months to one year. We report your on-time payments to the credit bureau, establishing or improving your credit history. Once the loan is repaid, funds can be withdrawn and used as desired. It's a great way to build credit and to start savings.


  • Low rate of 8.00% APR
  • Low monthly payment
  • On-time payments are reflected on your credit report


  • Another loan will not be granted until the Credit Builder Loan is repaid in full
  • All applicants must be in good standing with Chesterfield Federal Credit Union
  • Applicants must have the capacity to repay the loan
  • Debt Protection
  • Rates
  • Apply
  • Request Info
  • FAQ
Debt Protection

Play it safe with CFCU Safety Net

Help preserve your standard of living. Whether you're taking out a loan to make home improvements or buy a vehicle, it can be a financial gamble because the unexpected can happen at anytime. You’re betting you won’t lose your job (through no fault of your own), or become disabled (due to injury or illness), or pass away, leaving your family responsible for your loan balance. Life events can cause financial hardship, making bill-paying difficult. You don't want delinquent payments and defaulted loans to cause you to lose your assets, negatively impact your credit rating, or cause financial distress for your family.

Protection suited for you

CFCU Safety Net* is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly occurs. And, simple eligibility requirements ease the enrollment process.

Protection that matters

If your loan is protected and a life event happens to you, CFCU Safety Net* will cancel or reduce repayment of your loan debt - helping to lessen worries about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging. Protected events include:

  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary unemployment

Life Plus adds protection for financially-stressful life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave, and the loss of life of a non-protected dependent.

Protection suited for your needs

Because each member has different needs, we offer three different options for protection with CFCU Safety Net:

  • Comprehensive Protects your family in case of loss of life, disability or involuntary unemployment
  • Prepared Protects your family in case of loss of life or disability
  • Thoughtful Protects your family in case of loss of life
Ask your Financial Services Representative about protection with CFCU Safety Net.
* Your purchase of CFCU SafetyNet is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of CFCU SafetyNet.
Effective Aug 1, 2019
Personal Lending APR* Term^ Calculator
Signature Loan 8.15% 60 months Calculator
Share Secured Loan ~ 2.00% 60 months Calculator
Credit Builder Loan 8.00% 60 months Calculator
* Annual Percentage Rate. Lowest APR available with qualifying credit & automatic payment. Rates are subject to change at anytime without notice.
^ Financing available for 49 - 60 months on loans above $10,000. As an example, the monthly payment on a loan with 8.24% APR and an 60-month term would be about $20.39 per $1,000 financed.
~ Share Secured Loan is 1.75% APR above the rate of instrument, rounded up to the nearest quarter percent.


Applying for a loan online is easy! Just follow these simple steps:

Auto Loans, Personal Loans, Credit Cards

  1. Log in to your Net24 Home Banking account
  2. Select "Apply For A Loan" from the left column navigation menu
  3. Complete the appropriate application
  4. A Financial Services Representative will contact you within one business day with more information.

Home Equity Loans & Lines of Credit

  1. Complete a Request for Information and select Home Equity Loans and Lines
  2. A Financial Services Representative will contact you within one business day with more information.

First Mortgages

  1. Complete an Mortgage ApplicationOpens in New Window through our recommended mortgage partner's loan site.
  2. Their mortgage specialist will contact you to get more information about your mortgage needs.
Request Info
You'll reap the benefits of good credit for years to come. Get started now!