For those of us who are struggling with raising our credit score, Your Legacy offers a Share Certificate-Secured Loan product.  This is a share certificate that is from $1000-$5000 for a term limit of just 12 months. After successfully paying off the loan, the member will gain access to the money in the CD to either cash out or roll over into another product and will have made 12 on-time payments to help improve their credit.  This loan has a lower rate on its dividends (interest) because it is secured by the credit union, not collateral.

You must be 18 years of age to apply, qualify for membership to the credit union, and have a debt-to-income ratio below 45%. You can apply online or in-branch with your information and social security number.  Annual percentage rate (APR) varies on market rates and fees apply as a standard loan product, please ask a loan associate for more information and to see if you qualify.

This is a great way for someone with credit issues to start building it back up!