Starting Point

If you're a recent college graduate or new to the U.S., and want to establish or build credit, we can help. Starting Point provides a suite of key financial services — including a KeyPoint Auto Loan, Classic Credit Card, Free Checking Account and Personal Line of Credit — to help you get your future off to a strong start.

(Be sure to use Promo Code SPP when you apply for the Starting Point program)

The Starting Point program helps recent college grads and members new to the U.S. start building their credit with:

Get approved for your first auto loan.

Make purchases securely anytime, anywhere around the world with the Visa® Classic Credit Card.

Manage your money 24/7 with our Online & Mobile Banking, and get cash at over 30,000 no-fee ATMs nationwide.

Build your credit history with a KeyPoint personal line of credit. As you pay off your balance, you can reuse the available funds over and over.