Empowerment Credit Builder


Do you need credit or to improve your credit? We just help.

How It Works

It’s easy! Upon approval, funds borrowed are deposited into a Bonus Savings Account on your behalf and held as collateral. Each month, through the term of your loan and as you make your payments, CIBM Bank will report your payment history to the credit bureaus. When the loan is paid in full, funds held as collateral in the savings account, including interest earned, are released to you!

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Loan Options

Loan Amounts of $1,500, $2,000, or $2,500
  • 4.00% APR fixed for a term of 12 months
  • 4.25% APR fixed for a term of 18 months
  • 4.50% APR fixed for a term of 24 months