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Teen Loans & Credit to help build their credit… the right way

We get it, credit is complicated. When you’re young, establishing credit can seem overwhelming. Having good credit is necessary,
but where do you start? We have solutions.

This loan is one of the best ways to build credit for a teen who’s 16 or 17 years old… and can help build their savings at the same time.

Here’s how it works:

Pro Tip! Help them set up a monthly automatic transfer from their Teen Checking account to ensure payments are made on time, helping to build their good payment history. Too easy!

Teen Visa Credit Card - Table

Teen Platinum
Apply for a Visa
Perfect for...a teen ages 16 to 17 who want to start establishing credit
Introductory rate
Loan Rates
2.90%
for six billing cycles1
Annual fee$0
requires a parent or guardian joint owner
Limit$500
Cash Advance Fee3% ($10 minimum)
Foreign Transaction Fee1%
RequirementsParent must be on the account and meet credit qualifications
Digital Banking
Digital Banking & Security
Identity theft protection
Extended purchase warranties
A Teen Visa Credit Card is perfect for a teen ages 16 to 17 who want to start establishing credit.

1Standard introductory period is six billing cycles, after which balances are converted to a fixed rate based on Prime Rate plus a margin.

Remember being a teenager and really wanting two things… your driver’s license and your own car? We do!

1Estimated monthly payment per $1,000 on a 60-month term at 3.99% APR is $18.42 and subject to change.

Lucy at the Sahara branch in Las Vegas exemplified what customer service is truly all about and missing in so many places.

Orlando G

1.27.23 Google

Very great experience at this bank. Especially our banker, Leslie at the Boyle Heights branch. She went above and beyond to get our finances in order.

Maribel L

1.10.23 Google

I've been hearing for some time about how good SCE Credit Union is toward its members. I decided, because of the good experience of a friend, to become part of the family. I'm glad to be here and look forward to many years of mutual satisfaction. Customer service is the greatest currency any company can have. Thus far, things have been exceptional.

Mitchell B

1.4.23 Google

My story goes back to when the Credit Union was still part of IBEW back in the 60's. I was 3rd gen SCE and retired after 42 years. 120+ family years . The Credit Union has always been there for me with great service and never a mistake on their part. Now in retirement it's great to know my finances are secure from any outside theft. I have had many loans starting way back when the application was all on paper. Now it's just a phone call away. So glad I started here so many years ago.

Steven F

12.31.22

I've banked with them nearly 10 years now, and they always exceed expectations in every way. This is a more personal style of banking... the way it used to be everywhere. Patience is sometimes required, but is always richly rewarded. The SCE web service has improved nicely over the years, and I can't think of anything I need from a bank that they don't offer. They care more than most, and always try harder than the rest.

David P

Yelp 12.27.22

SCE Credit Union has been with me from the start of my financial journey. They financed my first car and were there for my family, too. Through the years, I've appreciated their customer service and the way they recognize me when I walk through the door. The branch manager at Ontario is awesome! She's the reason I keep all my savings with the Credit Union. She customizes and works the products to fit my lifestyle and I trust the integrity of this bank!

Lorena C

12.23.22

I love SCE Credit Union. I've been a member for about 10 years - the customer service has always been A-1! They helped me open a corporate account and made my day.

Damion R

12.19.22

After 40+ years with WellsFargo, I decided to move my account to SCE FCU in Irwindale at my daughter’s suggestion. My WF debit card had an opening date of 8/70. Didn’t care. Best move I ever made. Great customer service. Kudos to the branch manager, George Silva, and his staff. Special shout out to Mari and Aviud. I feel appreciated as I appreciate them.

Hoss L

12.6.22

I'm a proud member since 2014. SCE FCU is very clean inside and out. I recommend anyone looking for a bank to go to them and check out their friendly and helpful staff.

Michelle N

11.15.22

SCE FCU is so kind and helpful. The team members are all so sweet. When we had fraud on our account they called and told us right away. The branch manager was waiting for us at the front desk and helped us with all our needs.

Karen S

11.7.22