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We will be closed on Juneteenth National Independence Day, Monday, June 19th.

PLEASE NOTE:  Shared Branch is currently down. We apologize for the inconvenience, and we are working to resolve this as fast as we can. In the meantime please use Remote Deposit Capture through our Mobile Banking App, a Depositing accepting ATM, or one of the surcharge-free ATMs


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Credit Builder Loan

Have you had unexpected expenses that have put you in a bind? Perhaps you feel a loan is not even an option because of your current credit score. Our Credit Builder Loan can help you find a solution.

If you have been employed consecutively for 6 or more months at your current place of employment, you may qualify for a loan of up to $1,500 regardless of your credit score. Credit will be pulled to determine outstanding credit obligations. The approval is completely based on your ability to pay not your credit score. The Credit Builder Loan is only available to members whose current employers are signed up as a participant in the program. Financial Access is committed to workforce-based wellness. This program helps every employee of a participating company to plan a sound financial future.

If your employer is a participant, you are now eligible to apply for the Credit Builder Loan. This loan can help increase your credit score while providing funds to help you with your financial situation. 

Please note the Application Requirements*:

  • Letter from your supervisor/HR Department on company letterhead providing the following: a statement that you are an employee in good standing, salary verification, and employment start date
  • Must be employed with current employer for at least 6 months
  • $10 non-refundable processing fee
  • Payments made through payroll deduction
  • Must be a member to apply
  • Must open a checking or savings account with FAFCU

*Credit Bureau hard pull is required to validate outstanding debts. Underwriting is based on your ability to pay not your credit score.

Application STEPS - As Easy As 1-2-3

  1. Not a Member yet? Open your membership, fund your account and return back here to submit your required documents.
  2. Submit the required documents below - 2 recent paystubs and a verification letter from the employer 
  3. Complete the Loan Application Online once you click submit below.  (Click here for an optional worksheet to use prior to applying online)
  4. Complete two Balance Track courses ( Click here to log in. Scroll down to select the Credit Matters and Money Management Courses).

BEFORE YOU BEGIN: Please note that your credit will be pulled to determine outstanding credit obligations. The approval is completely based on your ability to pay not your credit score.


* Required Fields

In order to complete your application, the following information must be submitted.

Apple devices do not support uploading files other than images.

All document submissions are secure and protected.

Security Code:

If your Employer is not a part of this fabulous program just email us a contact to your HR department to and we will contact them about enrolling.


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