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First TIme Borrower

First Time Borrower

One of Your Best Long-Term Relationships


We won’t break your heart and we’ll always call you back. You can bet that we’re going to be one of your best long-term relationships, especially if you’re thinking of getting a first car or credit card. New borrowers have a choice of several options that will help you establish good credit and get on the road with a first car or a new Visa Platinum credit card**. Good credit is one of the important steps in achieving financial success and independence. When you’re ready to take the next step, contact one of our loan representatives and we can help you understand how to establish good credit and get the loan that’s right for you. 

New Borrower Products:

  • 2.02% APY* Savings
  • Checking Account**
  • Secured Credit Card** $300 Minimum
  • Credit Card**  90 Days Employment
  • Auto Loans/New/Used/Refinanced**  90 Days Employment  
  • Up to 6x your monthly gross salary for a first time Auto Loan.

Establish Credit with up to a $500 Visa® Rewards

Our credit cards are designed to help you manage your account sensibly. Each card is simple, reliable, safe and easy to use with no complicated fees or rules. O Bee Credit Union credit cards offer ongoing value with rewards and benefits you can use along with low affordable rates. You can enjoy the online credit card benefits that help you make the most of your money with the convenience and security that you deserve. 

Trouble Getting Credit?

If you've had trouble getting approved for a credit card, then a secured credit card might be a good option for you. These cards require a cash deposit as collateral which serves as a credit line for the account. With secured cards credit issuers will report your payment history to the credit reporting agencies, allowing you to build or improve your credit history if you make on-time payments to all of your creditors and keep your balances low relative to credit limits. An O Bee Credit Union Secured Credit Card is the perfect card if you’re building your credit or just starting out. We’ve designed our loans to get you into the credit world responsibly. Contact us today. ‚Äč

Protecting Young Adult’s Information:
Our online financial services are not designed for or directed toward children. We do not knowingly solicit or collect data from children and we do not knowingly market to children online. We recognize that protecting Young Adult’s identities and online privacy is important and that responsibility rests with us and with parents.

*APY (Annual Percentage Yield) Savings Account Requirements. Special rate applies only to the first $500.00 in your savings account with a suffix of 0001. Amounts in excess of $500 will earn the standard savings rate. Requirements to earn the stated dividend rate and APY are: 1) you must be enrolled in E-Statements; 2) your account must have an aggregate of equal to or greater than $100 in direct deposits to Checking and/or Savings per month, OR have three [3] Visa Debit purchases per month, OR the primary account holder must be younger than 18 years of age. Limit one [1] savings account per member. Dividends will be paid to the savings suffix 0001. Requirements will be evaluated monthly for qualification. $1.00 is needed to open an account. In the event that you do not qualify for the special rate, your account will earn the standard savings account rate. Fees could reduce earnings. See Truth in Savings Disclosure. Rates subject to change.

** Some Conditions Apply



*Annual Percentage Rate Effective 01/07/2021

12.50%+ APR*


Rates as low as 5.99% APR* with a qualified co-signer. Ask us for details.


*Annual Percentage Yield Effective 01/07/2021

12.25%+ APR*

VISA Rewards

See Account Disclosure for Details
O Bee Mobile

O Bee Mobile


O Bee Credit Union Mobile Banking allows you to check balances, view transaction history, transfer funds, pay loans, deposit checks, control your debit and credit cards and pay bills on the go!

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