Compass Credit Builder
Build Credit with Confidence
A good credit score doesn’t happen by accident. Consistent, on-time payments are the key to build or improve your credit history. Compass Credit Builder is a safe, affordable way to work toward long term goals like buying a vehicle, purchasing a home, or qualifying for better loan rates.
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Is it right for you?
Start building credit
- Ideal if you have little or no credit history
- Great for rebuilding credit after financial setbacks
- No employment or income requirement
- Affordable payments with a low 3.00% APR
- Ages 16-17 can explore the Pathfinder Credit Builder
How it works
One payment at a time
- Your $1,000 loan is placed in a secured savings account
- A hold is placed on the funds while you repay the loan
- As you repay principal, an equal amount is released from the hold
- On-time payments are reported to the major credit bureaus
Keep payments on track
Set it and forget it
- Make the first monthly payment yourself
- After that, automatic payments can be made from the $1,000 secured funds
- Payments continue automatically, reducing the chance of a missed payment
- Your only cost is the interest paid on the loan
Today's rates
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Term |
APR |
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Rates Effective: January 1, 2026 All Loans are subject to approval. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. The Compass Credit Builder is designed to help you build credit history. The loan proceeds are placed in an Additional Savings account and the proceeds are held as security for the loan. As the loan is paid down, the funds become available for use. Many factors go into determining your creditworthiness; this product is a tool to help you build credit, but its effectiveness will depend on your individual circumstance. Call us at 888.810.1148 for more information. Estimated Monthly Payment Example: $78.38 a month based on a 13-month, $1,000.00 loan at 3.00% APR. |
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13 or 25 months |
3.00% |
We’re people helping people.
Together we’re a credit union.
Sage CU is a not-for-profit financial co-op owned by over 19,000 regular people in the Klamath Basin and surrounding rural communities. We don’t have to worry about pleasing stockholders so we’re able to focus our efforts on our communities — by reaching out, giving back, and paying it forward. Learn more about our Community Impact.
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2025 Volunteer Hours3,590
Our staff serves on various boards, committees, and volunteers at many community events.
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2025 Local Donations & Sponsorships$151k
We support more than 35 local organizations that have a big impact on the area.
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2025 Scholarships$7,000
Employees can personally support charities through our Casual For Community program.