Business Details
Join Credit Human: Your People-First Financial Partner
At Credit Human, we believe where you put your money matters. Our mission centers on prioritizing people and the planet through financial services that empower communities. Since our founding, we've focused on creating accessible banking solutions that eliminate traditional fees while promoting financial health. Our team specializes in checking and savings accounts, smart investment options, and responsible lending practices designed to help members build financial slack. We maintain rigorous security protocols to protect against fraud, including clear policies against requesting sensitive information via phone or email. Our digital banking platform offers mobile deposit, online bill pay, and competitive rates tailored to modern financial needs.Through free financial advice and educational resources, we help members navigate retirement planning, home ownership, and sustainable investing. Our commitment to community sustainability drives our lending practices and service offerings. We operate with transparency, ensuring no hidden fees or unexpected charges in our services. With convenient locations and interactive teller machines, we combine accessibility with personalized support. Our dividend checking accounts and share certificates provide flexible options for members at every financial stage.
Services
Checking Accounts
Savings Accounts
Personal Loans
Retirement Accounts
Financial Advice
Highlights and features
- We offer free checking accounts with no hidden fees
- Our dividend checking accounts reward any balance monthly
- We provide zero down payment home loan options
- Our 24/7 digital banking includes mobile deposit and bill pay
- We maintain strict anti-fraud protocols to protect members
Services
Free Checking
Our free checking accounts eliminate traditional banking fees while providing full access to financial tools. Members enjoy mobile deposit, online bill pay, and debit card protections. This service helps build financial slack through unrestricted access to funds and no monthly maintenance charges.
Share Savings
Start saving with just $5 through our Share Savings accounts. These accounts serve as membership requirements while offering competitive dividends. The low barrier to entry makes them ideal for emergency funds or starting your financial journey with Credit Human.
Personal Loans
We offer responsible lending options including personal loans and lines of credit. Our underwriting focuses on helping members achieve financial goals through manageable repayment terms. Loan proceeds can be used for debt consolidation, major purchases, or unexpected expenses with transparent fee structures.
Retirement Accounts
Traditional and Roth IRA options help members plan for long-term financial security. Our investment products combine tax advantages with flexible contribution options. We provide educational resources to help members make informed decisions about retirement timelines and investment strategies.
Financial Education
Comprehensive financial health resources cover home ownership, retirement planning, and fraud prevention. Our educational materials help members make informed decisions about major life events. We offer guidance on budgeting, investment basics, and protecting against financial scams.
Questions
How do I open a checking account with Credit Human?
You can open a checking account online through our secure digital platform or visit a local branch. We require basic identification and a $5 initial deposit for membership.
Are my deposits protected at Credit Human?
Yes, all deposits are federally insured up to $250,000 through the NCUA, providing security for your savings and checking accounts.
What loan options do you offer for first-time homebuyers?
We provide zero down payment mortgage options with no mortgage insurance requirements, specifically designed for first-time homebuyers through our Slack Builder Home Loan program.
How can I protect my account from fraud?
We recommend never sharing login credentials via phone or email. Enable account alerts, use strong passwords, and report any suspicious communications claiming to be from Credit Human.
Do you offer investment services?
Yes, we provide smart investment options including share certificates, money market accounts, and retirement planning services with competitive rates and professional guidance.
What digital banking features are available?
Our mobile app offers check deposit, bill payment, account transfers, and real-time transaction alerts. You can manage all your accounts 24/7 through our secure online platform.