Opportunities Credit Union

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Credit Builder

We offer loans to help our members build or repair credit regardless of their current financial situation. Our goal is to help you obtain home ownership, rental housing, or a car to get to and from work. Our financial mentors can assist you with this process so that your credit score does not continue to hold you back. Let us help you find your next Opportunity.

In a traditional loan, the borrower receives the money when the loan is closed. In our credit builder (Tracker) loan, the funds are placed in the borrowers account and placed on hold. As the borrower makes payments on the loan, the payment history is reported to the credit bureau; creating or re-establishing a positive payment history in the credit report. The loan size and monthly payment are based on affordability so the monthly payments can be small.

Once the loan has been paid in full the funds are released to the borrower with no restrictions. The funds can be used to pay off outstanding collections, used as a security deposit for housing or as a down payment for an auto purchase.

Call to find out more: 800-865-8328

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Challenges of Finance Being a Single Working Mom

January 13, 2021

The author of this blog qualified for an auto loan after working with Andrea Heller, our Money Sense Manager, to tackle bill paying and face down a creditor. I am a single mother and an educator. My child has complicated health and educational needs. We have moved many times in the past two decades, and […]

What do you think about financial counseling?

December 14, 2020

I started financial counseling during the foreclosure crisis in 2008. A decade ago many of my clients felt isolated by their financial struggles. It was challenging for adults who struggled with their finance to find professional assistance, and the area of personal finance appeared to be an exclusive world. Today, I hear more people speaking […]

Simple 5 Loan – Get a quick loan to help out this holiday season

November 21, 2020

The weather has gotten cooler, and we’ve taken out our winter clothing. The holiday season is coming up, and so is the snow. At Opportunities Credit Union (OCU) we’re working hard to wrap up 2020, and we continue to innovate ways to best serve our customers.   This time of year can be difficult for […]




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1.800.865.8328 Toll Free
1.802.654.4540 Direct
1.802.654.4551 Fax

REPORT A LOST OR STOLEN CARD
1.800.528.2273
1.800.889.5280 (Fraud Prevention Hotline)
1.800.MasterCard

Routing Number - 011692588

 
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