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Credit Builder

Take control of building your credit by opening an Armed Forces Bank Credit Builder Secured Visa® Credit Card that you can use for everyday purchases.

No application fee.
No annual fee.

Start building better credit today.

How to get started:

1. Apply for a secured Credit Builder Credit Card, a product designed to help establish or rebuild credit.
2. Deposit an amount from $300 up to $3,000 into a Credit Builder Savings Account which will set the credit limit you request.
Example, if you are applying for a $500 Secured Credit Card, you will also need to deposit $500 into a Credit Builder Savings Account. 
3. Make monthly payments equal to at least the minimum payment amount shown on your monthly statement. By making on-time payments and keeping your balances low, you are doing what you can to improve your credit. 


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What You Need to Know

  • No Annual Fee
  • 25.99% fixed annual percentage rate (APR)
  • Credit Builder Savings Account required
  • $5.00 quarterly fee charged to the Credit Builder Savings account if not enrolled in eStatements
  • View rates and fees (PDF)

Subject to credit approval. Improved credit score is not guaranteed. Credit score is determined by credit reporting agencies based on multiple factors, but satisfactory performance on a credit card product can improve your credit score. Default on a credit card, including missed or late payments can damage your credit score. Once added, funds cannot be withdrawn from the savings account without closing the savings account and the credit card.
Important Information
To help the government fight the funding of terrorism and money laundering activities, U.S. Federal Law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. As you open an account, we will ask you for your name, address, date of birth and other information that will allow us to identify you. We may ask to see your drivers license or other identifying documents. Legal Entities may be required to certify ownership and managerial control information.