A Credit Builder Loan or Share-Secured Credit Card are two ways to start building your credit. How it Works: TCT will hold the amount of your credit limit in your account. Your new loan or credit card is reported to the credit bureau(s), along with your payment history and after six months this will help you establish a credit score.

Learn about Credit Builder Loans

Learn about Share Secured Loans

Helping our members save money and improve their financial lives is at the heart of TCT's mission. We partner with GreenPath Financial Wellness to provide all our members with free access to help with budgeting, financial education, and much more. Just another perk of being a TCT Member. Learn More About GreenPath

By cosigning, you lend your name and good credit history to the borrower. Should the borrower fail to make payments, all responsibility for meeting the terms of the loan transfers to you, the cosigner.  The loan appears on both the borrower’s and cosigner's credit reports and may affect your ability to qualify for another loan.

It might be tempting to view your 401(k) as a source of emergency funds, but before you dip into your retirement account for cash, you should explore all alternatives. Discuss your options with one of our Member Service Specialists at any branch location or contact our financial wellness partner, GreenPath to discuss your options, free of charge.