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Loans & Credit Cards

Empower Loan

Have no credit or poor credit history?

If you’ve had trouble getting a loan because you don’t have credit or your credit score has been tarnished, we can help you take a step in the right direction.

  • Receive an advance of $300-$500 that’s held as security for the revolving line of credit
  • As you establish good payment history, funds become available for withdrawal
  • Fixed rate of 15%APR
  • $25 account opening fee
  • $5 deposit into a savings account required (if you don’t already have an account with us)
  • No annual fee
  • Good loan payment history may help you qualify for traditional loan products in the future

Speak with any branch representative to get started with a line of credit today!


APR = Annual Percentage Rate. Monthly payment is calculated at 5% of balance/limit. Subject to underwriting guidelines. In addition to the line of credit, member must also have a Financial Center savings account. Maximum debt ratio is 50%. Member must not have any unpaid charge off history with Financial Center Federal Credit Union.

Your savings federaly insured to at least $250,000 and backed by the full faith and credit of the United States Government: NCUA, Equal Housing Lender, ESI