Credit Strong Build & Save

Credit Strong Build & Save accounts are the best way to grow savings while building a positive credit history. Build & Save accounts have shorter terms and maximize your monthly growth in savings.



Save up to $2,000 in just 24 months



Plans start as low as $48/month



 12 and 24 month plans available



 Reports an installment loan of up to $2,000 to the 3 major credit bureaus



No fixed commitment – You can cancel any time at no cost

Who are BUILD & SAVE Accounts designed for?

Build Credit and Targeted Savings

Build & Save accounts are designed for consumers that want to grow a target amount of savings in a specific timeframe. With Build & Save you can build:

  • $1,000 of savings in 12 months, or
  • $1,000 or $2,000 of savings just in 24 months

Consider Your Goals

When selecting your account type, you should consider how important the savings element is to your goals. While Build & Save accounts accelerate your savings progress because of their shorter term, the shorter term may not positively affect your ‘Length of Credit History’ as much as other Credit Strong accounts. Length of Credit History impacts 15% of your FICO® Score.

Example: Depending on your objectives, you may be better off with a Subscribe account and keeping it open for five years vs getting five 12 month Build & Save accounts in a row.

Balanced Credit Building and Savings

Build your nest egg quickly while you build credit. While all Credit Strong accounts help grow savings each month, Build & Save account have shorter terms, so more of each payment goes towards your savings progress.

Decreasing Cost - Increasing Savings

With Build & Save accounts, every month your interest cost goes down and your savings progress accelerates.

The tables below illustrate interest expense vs. savings progress for Build & Save 1000 12 month, Build & Save 1000 24 month, and Build and Save 2000 24 month accounts. 

Build & Save 1000 – 12 Month
$1,000 account
Build & Save 1000 – 24 Month
$1,000 account

Build & Save 2000 – 24 Month
$2,000 account

Note: All amounts above are estimates based on on-time loan payments, actual amounts may vary depending on timing, amount, and number of payments.

You Got This!

Ready to get started? Complete your online application in a few minutes.

Accountholders must be at least 18 years old and a citizen of the United States or permanent resident with a valid social security number. Applicants for accounts are subject to verification of identity. A valid bank account or debit card account are required for payment. All loans are subject to consumer report review and approval.

Credit Strong is NOT a credit repair service and does not remove negative credit history from your credit profile. Disclaimer: Credit profile improvement is not guaranteed. Changes in your credit score reflect individually specific financial behavior and history. Failure to make minimum required loan payments on-time may result in your loan payment(s) being reported as delinquent to credit bureaus which may negatively impact your credit profile.

Testimonial Disclaimer: Individual results may vary. Unique experiences and past performance for individuals do not guarantee future results for other individuals. Testimonials may not be representative of all individuals and certain individuals may have inferior results than indicated in testimonials.

Credit Strong® is a registered trademark of Austin Capital Bank SSB. FICO® is a registered Trademark of Fair Isaac Corporation. Austin Capital Bank SSB. Member FDIC. Equal Housing Lender. © 2019 Austin Capital Bank SSB. All Rights Reserved.