Two Banks Are Better Than One: When you combine a CreditStrong installment Credit Builder Account from Austin Capital Bank with an OpenSky® revolving Secured Credit Card from Capital Bank, you’ve got the power of two FDIC insured banks working together to build your credit.

Adding an OpenSky® Secured Credit Card to your existing CreditStrong Credit Builder Account will build both installment and revolving credit with all three major credit bureaus, building your profile even faster by enhancing your credit mix and payment history.

How Does OpenSky® Differ from CreditStrong?
Installment credit history (like your CreditStrong Credit Builder Account) shows creditors that you can manage fixed recurring monthly payments like a car payment or home mortgage. Revolving credit history shows creditors that you can manage your variable expenses and keep your spending aligned with your budget.

Demonstrating to creditors that you can responsibly manage both types of credit will boost your profile.

How to Get Started with OpenSky®

Secured credit cards in three easy steps.

Apply for the card

  • Submit a 5 minute application
  • No credit check needed to apply

Submit a security deposit

  • Choose your credit line with a one-time refundable deposit1, starting at $200.
  • The security deposit1 serves as collateral to your credit line.

Build Your Credit Score

  • Monthly reporting to all 3 major credit bureaus.
  • Make on-time payments to improve your credit score
  • Stay on track with the convenient OpenSky® mobile app

Just like with your existing CreditStrong Credit Builder Account, OpenSky® reports to all three major credit bureaus. On-time payments and responsible credit limit utilization will help build your score.

*1. Your security deposit is returned to you once your credit card account is closed and the balance is paid in full. Capital Bank may use your security deposit to expedite the pay down of your outstanding balance. Please refer to theCardholder Agreement for additional details related to thesecurity deposit.

“My score has moved up 46 points in just 6 months!”
Laverne J., OpenSky® Customer
“Very helpful in rebuilding my credit after a messy bankruptcy.”
Yogi D., OpenSky® Customer
“My credit score went up from 547 to 651 in just 9 months! I have had nothing but good experiences with this card.”
Kd. N, OpenSky® Customer

Build strong credit

while you save.

Apply now