Share Secured Credit Builder Loans

A share secured credit builder loan offers a fixed rate and term so you can try to build or re-establish your credit.  We offer easy and convenient financing.  Apply (new window/tab) online 24/7!

  • Loan amounts of $500, $750, or $1,000
  • Low 4.25% APR
  • Loan term options: 6 or 12 months
  • $5 Application Fee
  • To establish credit, members are encouraged to keep the loan open for a minimum of 12 months
  • Payments will be made by HEFCU directly from the funds in a frozen HEFCU share account
  • Member must be in good standing with accrued interest (maximum of $35) available in their share savings account
  • Apply and close the same day
  • Electronic closings available


Call the Loan Department at (800) 624-3312, option 3, for further details.