Credit Builder Loans
A strong credit score opens doors — to a car, an apartment, a home, and better rates. Whether you're building credit for the first time, recovering from a setback, or need short-term assistance, Valley Isle Community FCU offers a loan option to meet your needs.
Choose the Loan That Fits Your Needs
Share Secured Loan
Best for: building credit at your own pace
Borrow against your own savings with no risk to funds you don't have. As you make payments, principal is released back into your interest-bearing savings account, and every on-time payment builds your credit history.
- Low interest rate
- Flexible terms up to 10 years
- No credit check
Temporary Relief Loan
Best for: when you need funds quickly
Receive up to $2,000, deposited to your account in under 60 seconds, with no credit check — a responsible alternative to high-interest payday loans.
- Loans up to $2,000
- Repayment terms up to 12 months
- Instant decision
Why Build Credit With Your Credit Union
We report to the bureaus
On-time payments are reported to the credit bureaus, helping build your credit history over time.
We're not-for-profit
As a member-owned institution, our loans are designed to help members get ahead, not accumulate fees.
We're local
Based right here on Maui, we understand the needs of our members and our community.
Not Sure Which Loan Is Right for You?
If you're looking to build credit steadily over time, the Share Secured Loan may be the better fit. If you need funds quickly to address an unexpected expense, the Temporary Relief Loan is designed for that purpose. Our team is available to help you determine the best option for your situation.