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Build your credit. Secure your future. Live your life.

If you’re like a lot of people, you’ve run into a little financial trouble now and then. Did you know that nearly a third of Americans have a credit score under 600? That means you may have trouble getting an affordable loan or credit card. Alltru Credit Union is here to help. Our Credit Builder loan will help you build credit while saving money.

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Alltru Credit Builder Loan



Alltru Credit Builder Loan Features
Alltru Credit Builder Loan Overview

Here’s how the Alltru Credit Builder loan works.

The money you borrow will be held as collateral as you make your monthly payments – and when your loan is paid off, the money you will be released to you. You’ll have saved a nice chunk of money, and you’ll have established credit or improved your credit score, which can help you qualify for lower loan rates in the future. Plus, when you make all loan payments on time, we will refund half of the interest paid right back to you. It’s a great first step to a bright financial future!

  • Loan amounts from $300-$1,000
  • Loan term of 12 months
  • 12% APR*
  • Payment history reported to credit bureaus
  • 50% of interest refunded with on-time payments

Want to learn more about credit scores?

Alltru Credit Builder Loan Rates
Type Term As low as APR*
Credit Builder Loan ($1,000 max)

12 months


“Unlike credit unions, big banks are so predatory and unforgiving.”

Alltru Member

Looking for help paying your loan?

Learn how to pay, and who to contact if you need help paying your bills.

Let’s Talk

We’re in your neighborhood.

We are St. Louis, through and through. We have branches throughout the metro area. Plus, as a member you’ll have free access to hundreds of local ATMs.