First Time Borrower Program

This exclusive CCU program is designed to allow first-time borrowers to get a good rate without the need for a co-signer and prevent costly mistakes as you build your credit history by providing education about managing money and credit.

With this program, you have access to the two CCU credit products most often requested by first-time borrowers: Visa® Platinum Credit Cards and Auto Loans.   The product features are the same as our standard products with credit line and payment limits that help first-time borrowers keep payments manageable while obtaining the credit they need.  A CCU Member Service Lender can answer any questions you may have about how the program works and how much credit is available to you based on your situation. 

Since this program is intended for individuals with no credit history, we will consider your personal history and look at things like:

  • Good management of a CCU Debit/Checking Account for 6 months or more

  • Payment history for things like utilities and rent

  • College graduation or professional/trade certification

  • Employment history

  • History of savings

You do not have to meet all of these requirements.

Applicants will be asked to complete three online courses related to money and credit management.

How Does it Work?

1) Apply:

In Person:
Stop by one of our seven branch locations.  Our Rockledge and Palm Bay branches are open Saturdays from 9 am to noon.
By Phone:

Speak to a Member Service Lender:  321.637.3211 (outside Brevard, 1.800.690.2338)

Existing CCU Members:  Use the Mobile App or log in to eBranch Online Banking and your personal information will be pre-filled for you.  Or, you may use the application found by selecting the "Apply Online" link below, but you will be asked to provide your personal information, including your Member Number.
Mobile App:  Go to More and select Apply for a Loan.
eBranch Online Banking:  Select the Online Application link at the upper right of the screen.
Prospective CCU Members:  Select the icon below. Leave the Member Number field blank.

Graphic Link to Apply for Loan | CCU of FL

2) Complete your online courses
Your Member Service Lender will provide your course names and links. These courses are brief and very informative.

3) Get started on building your good credit history
Make your card and/or auto loan payments on time and you’ll be on the way to building a strong credit score. 

Not interested in a Credit Card or Auto Loan at the moment?
Consider opening a CCU Debit/Checking Account and get started on building your 6-month history of managing your account so you’ll have that box checked when you are ready to take advantage of this program.  

For Additional Assistance:
Please contact a Member Service Representative at 321.690.2328 (outside Brevard, 1.800.690.2338) or send an email to  For your security, DO NOT send account numbers or other private information using this general email address.  Private, unpublished personal information should ONLY be sent through Secure Email, which is available within the Mobile App and eBranch Online Banking.