How do I build credit with no credit history?

Here are a few tips!

Find a co-signer: find someone with a good credit score to vouch for your ability to pay a loan or credit card back.

Please note, any failure to make repayments will damage you and your co-signers credit.

Report Rent and Utilities payments to Credit Bureaus: If you report payments that you make on time to reporting services like Credit Karma and Experian, it can be an easy way to build your score.

Always make on-time Payments: Paying on time is just a good personal and financial habit to form.

Don’t use too much credit: Personal finance goals should be to use less than 30% of your credit. That means if you have a $1000 limit on your card you should only spend up to $300 if possible.

Need further assistance? You can also call us at 518-886-3400 for support during normal business hours.

Current Rates

Auto Loans
APR as low as
5.50%
Fixed Rate 36 Month
Mortgages
APR as low as
6.00%
Fixed Rate 15-year fixed
Home Equity Line of Credit
APR as low as
5.95%
Fixed Rate 5-year fixed
VISA Credit Card
APR as low as
8.90%
  VISA Platinum Credit Card
logos of Bauer 5-star, America's Credit Union, Equal Housing Opportunity, Marshall & Sterling Insurance, and National Credit Union Administration

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