One of the wonderful benefits of being a KeyPoint Member is that you can take advantage of products and services that are not typically provided by big banks. We’re always thinking about ways to help our Members holistically—beyond dollars and cents. Our Credit Starter product is a great example of a program that can make a real, life-changing difference for Members who have little or no credit. If you’re just out of school or maybe you’re not making a lot of money, but you’re aspirational, it can be hard to establish credit and therefore achieve a favorable FICO score. Credit Starter maps out a simple, secure lending program that’s easy to follow, that doesn’t cost a lot of money, gets you on your way to establishing credit and can even kick start a savings habit for you!