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Home > Services > credit-builder
Home > Services > credit-builder

Build Your Financial Future

Do you need to establish or rebuild your credit score?

Introducing Credit Builder


NGFCU’s Credit Builder Program offers:

Bill Consolidation Loan – a low rate, fixed term loan that will lower the interest rate on your other high rate debt and help you pay the debt off faster. It may improve your credit too.

Share Secured Loan – perfect if you’re looking to build credit. Simply pledge the money you have in your savings account for a low interest rate loan and watch your credit build.

Balance – a free financial fitness program that can assist with debt and budget management, plus a host of counseling services and webinars on handling money matters.

Complete a consultation form to start building your financial success today.

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Loan Consultation

Send the form below to receive a free, no-obligation loan quote.

You are being asked for information relating to scheduling a consultation. Information you provide will be used for that purpose and will not be sold to other parties.

If you would prefer to speak to an NGFCU agent and receive a quote by phone, call 1.800.633.2848. Agents are available 24/7.

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Courtesy Pay

Courtesy Pay helps protect you from the unpaid return of non-sufficient funds (NSF) items presented on your NGFCU checking account and allows you to take withdrawals using your ATM or Visa ATM/Debit card when funds are not available.

  • Non-sufficient funds transactions paid up to $500 including Courtesy Pay fees
  • $20 Courtesy Pay fee for each non-sufficient funds transaction paid
  • Non-sufficient funds transactions paid and fees reported on statements

Courtesy Pay for checks and for Automated Clearing House (ACH) transactions is automatically available to all NGFCU members with a checking account in “good standing” that has been open for at least 60 days. The account must receive regular deposits sufficient to cover transactions, have a positive balance at least once every 30 days or less, and have no outstanding legal orders.

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Opt In to apply Courtesy Pay to debit and ATM transactions

NGFCU members must opt in to Courtesy Pay for everyday debit and ATM card transactions. If you do not opt in or do not have another type of overdraft protection, and if you do not have sufficient available funds for an ATM withdrawal or for a debit or ATM card purchase, the transaction will be denied.

You can opt in by submitting the Courtesy Pay Opt-In form, or by contacting NGFCU at 800-633-2848, Monday through Friday, 7 a.m. to 6 p.m. Pacific.

Important Numbers

Member Services: 800.633.2848 (available 24/7)

Credit & Debit Card Member Services: 800.633.2848 ext 4856 (available 24/7)

Credit Card Lost or Stolen: 866.839.3485
For International Calls: 727.570.4881

Debit Card Lost or Stolen: 800.754.4128
For International Calls: 727.227.9012

Credit Card Activation: 800.456.6870

Debit Card Activation: 855.485.7043

Members traveling or who reside outside of the US: 727.227.2447

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