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Average first-year FICO® Score 8 increase of +88 points for CreditStrong account users who signed up in 2024; who started with a score below 550; who had 12 successful monthly payments. Individual results may vary.

Average three-month FICO® Score 8 increase of +61 points for CreditStrong account users who signed up in 2024; who started with a score below 550; who had 12 successful monthly payments. Individual results may vary.

96% of CreditStrong account users who experienced a first-year FICO® Score 8 increase; who signed up in 2024; who started with a score below 550; who had 12 successful monthly payments. Individual results may vary.

Freekick: Average first FICO® Score 8 of 721 points for children with a FreeKick credit builder account. The range of average first scores is 670 to 763. A credit score is generated for an adult child when a minor child with a credit builder account becomes an adult and activates credit reporting.

No credit score increase is guaranteed. Individual results will vary. Every individual’s credit profile is unique, and your personal credit score may be impacted by all accounts and activity reported on your credit report.

* Annual Percentage Yields (APY) are accurate as of 1/5/2025 and may change after account opening. Only Six tiers of balances are accepted for FreeKick accounts. Partial withdrawals are not allowed. Account interest tier is determined at the time of initial deposit. Excluding interest, no additional funds may be credited after account opening. There is no Penalty for early withdrawals. Interest is compounded monthly. If you have a balance of $1,000, then the APY will be .10%. If you have a balance of $2,000, then the APY will be 1.00%. If you have a balance of $3,000, then the APY will be 2.00%. If you have a balance of $4,000, then the APY will be 3.00%. If you have a balance of $5,000, then the APY will be 4.00%. If you have a balance of $10,000, then the APY will be 5.00%. Additional account terms and conditions may apply.

Account holders 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.
CreditStrong 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.

*Instal: With a $28 monthly payment, a loan of $1,010 for 48 months at an annual percentage rate of 15.61% would yield a total payout of $1,010 at the end of the term.

*CS MAX: With a $49 monthly payment, a loan of $2,500 for 60 months at an annual percentage rate of 6.99% would yield a total payout of $ 2,500 at the end of the term.

*Magnum: With a $30 monthly payment, a loan of $2000 for 120 months at an annual percentage rate of 13.44% would yield a total payout of $ 2000 at the end of the term.

*Revolv: Offered at a 0% Annual Percentage Rate (APR). All monthly payments are fully allocated to a designated savings account.

*All ratings as of March 31, 2020

CreditStrong® is a registered trademark of Austin Capital Bank SSB. FICO® is a registered Trademark of Fair Isaac Corporation. Equifax® and Paynet® are registered trademarks of Equifax, Inc.

Austin Capital Bank SSB. Member FDIC. Equal Housing Lender. Fort Knox Bank and Fortknox.Bank are trademarks of Austin Capital Bank.