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Rebuild Your Credit and Save with Community Credit

Community Credit from Community Bank is designed to help you establish or rebuild your credit while providing the financial education and support needed to achieve long-term financial stability. With our tailored loan and savings programs, you can break free from the cycle of high-interest payday loans and start saving for a brighter future.

Competitive Rates
Save money over the life of your loan with our competitive rates.

Credit Improvement
Rebuild your credit score with consistent on-time loan repayments.

Financial Education
Gain essential financial skills through the financial education program “Money Smart” taught by experts from Community Bank.

1. * All loan applications are subject to credit approval and must meet all underwriting requirements of the Community Credit program, including presenting 2-months proof of income. You may be eligible for this program up to two times unless a prior Community Credit loan was not paid in accordance with the program terms. All borrowers are required to complete the Community Bank financial literacy program. A Certificate of Completion is required prior to obtaining a Community Credit loan. The Community Credit certificate must be presented prior to obtaining a Community Credit loan. Community Credit requires that one-half of the loan proceeds be deposited into your Community Credit Checking account and the other half be deposited into your Community Credit Savings account and be put on hold until the full amount of the loan is repaid.

Apply for a Community Credit Loan Today

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  • Complete Financial Literacy Seminar

    Attend a 3-hour seminar conducted by our Community Bank professionals. This will equip you with essential financial knowledge.
  • Receive Your Certificate

    Obtain a certificate of completion from the seminar. This will be required for the next steps. Obtain a certificate of completion from the seminar. This will be required for the next steps.
  • Gather Documents

    Prepare the following documents:
    • Proof of income for the past 2 months (pay stubs, bank statements, or other income verification).
    • A valid photo ID (driver’s license, passport, or state ID).
  • Visit a Local Office

    Stop by any Community Bank office to open your Community Credit Checking and Savings accounts. Our friendly staff will assist you with the process.
  • Apply for a Loan

    Submit your loan application along with your seminar certificate and gathered documents. This is the next step towards getting your Community Credit loan.
  • Receive Your Loan

    Upon approval, half of the loan proceeds will be deposited into your checking account and the other half into your savings account. Congratulations, your loan is now ready to use!

Frequently Asked Questions

Community Credit is a program designed to help you rebuild your credit and start saving through low-interest loans and financial education.

To be eligible, you must complete the financial literacy seminar, provide 2 months of proof of income, and meet credit approval and underwriting requirements.

Yes, we encourage using the loan proceeds to pay off high-interest debts from payday lenders or other financial service providers.

Attend the required seminar, obtain a completion certificate, gather your documents, visit a local office, and apply for your loan.

No, the Community Credit Checking account has no minimum balance requirements and no fees. Note: overdraft/returned item fees may apply.