First Time Borrowers Program

"How am I supposed to build a good credit history, if I can't get a loan?” 


  • Age - 18 and over

  • First time borrower

  • Active UECU checking account with payroll direct deposit for at least 6 months

  • Submit last 2 Paystubs

  • Debt to Income Ratio not to exceed 40%

Members who meet all the requirements will be able to get a Mastercard w/limit up to $1000

As your credit union, we believe it's important to help our members get off on the right foot from the very start! With a credit card and on-time payments, you'll be on your way to establish a strong credit history. The credit union can also help you finance your first car. We are available to walk you through the process, call 281.964.1777 / 800.380.5430 choose option #2 to speak to a loan officer.