{"id":18976,"date":"2018-07-03T14:42:15","date_gmt":"2018-07-03T19:42:15","guid":{"rendered":"https:\/\/testbanksouthern-ada.aceone.io\/?post_type=project&p=18976"},"modified":"2025-12-29T10:53:30","modified_gmt":"2025-12-29T16:53:30","slug":"credit-builder-cd","status":"publish","type":"project","link":"https:\/\/staging.banksouthern.com\/es\/project\/credit-builder-cd\/","title":{"rendered":"Construya y Ahorre con un Pr\u00e9stamo CD Constructor de Cr\u00e9dito"},"content":{"rendered":"

Credit Builder CD<\/h2>

Save Your Way to Better Credit<\/em><\/strong><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>

Our Credit Builder CD Loan is the Easy Way to Build & Save!<\/h1>\n<\/div><\/div><\/div><\/div>

Whether you are new to credit or have made mistakes in the past, the Credit Builder CD (Certificate of Deposit) is an easy way to start building good credit history.<\/p>\n<\/div><\/div><\/div><\/div>

How it Works<\/h2>\n<\/div><\/div>
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Choose an Amount<\/h3>

You may choose $500 or $1,000.<\/p>\n<\/div><\/div><\/div><\/div>

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Get a Loan and a CD<\/h3>

Southern Bancorp loans you this amount and puts the money in either a 12 month CD ($500 loan) or an 18 month CD ($1,000 loan) until you complete the program.<\/p>\n<\/div><\/div><\/div><\/div>

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Make Monthly Payments\u2014Build Credit<\/h3>

You make monthly payments on the loan and they are recorded and become part of your credit history.<\/p>\n<\/div><\/div><\/div><\/div>

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Get Money Plus Interest<\/h3>

After making all loan payments, you'll receive the full value of the CD, plus interest.<\/p>\n<\/div><\/div><\/div><\/div><\/div>

How it Helps<\/h2>\n<\/div><\/div>
R<\/span><\/span><\/div>

Payments Improve Your Credit Score<\/h3>

Payments are reported on your credit history and could improve your credit score.<\/p>\n<\/div><\/div><\/div><\/div>

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Get Loans<\/h3>

Improving your credit score increases the chance of being approved for a credit card, car loan, home mortgage, or small business loan.<\/p>\n<\/div><\/div><\/div><\/div>

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Save Money<\/h3>

Improving your credit score saves you money by decreasing the interest rate you will pay on future loans.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div>

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Start Your Path to Savings Today<\/h2>\n

You don't have to wait until you can visit a branch to start your path to better credit and savings. We have many resources online that will help you plan your future.<\/p>\n

Get an overview of great budget and credit practices in the ABCs of Financial Success<\/a>, download and check your credit report for errors with the Credit Report Review Checklist<\/a>, or visit the Learning Center<\/a> and view tool kits on a variety of subjects, from credit building, to budgeting, to buying a home or starting a business, and much more.<\/p>\n

All these resources and more can be found at the Opportunity Center<\/a>, our central location for financial education resources, both online and in every branch.<\/p>\n

If you'd like a dive deeper in getting your financial plans on track, and live in Arkansas or Mississippi, reach out to our certified credit and housing counselors<\/a>. Leave them a message by using the contact form<\/a> or calling Customer Service at (800) 789-3428.<\/p>\n<\/div><\/div><\/div><\/div><\/div>

How to Get a Credit Builder CD<\/h2>\n

It's easy! Stop by any Southern Bancorp location and speak to one of our friendly staff members. Just bring a photo ID and your social security number.<\/p>\n[locatoraid] <\/p>\n<\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":18977,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"project_category":[141,148,145],"project_tag":[],"class_list":["post-18976","project","type-project","status-publish","has-post-thumbnail","hentry","project_category-credit","project_category-product","project_category-work-with-a-professional"],"acf":[],"_links":{"self":[{"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/project\/18976","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/project"}],"about":[{"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/types\/project"}],"author":[{"embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/comments?post=18976"}],"version-history":[{"count":10,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/project\/18976\/revisions"}],"predecessor-version":[{"id":36734,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/project\/18976\/revisions\/36734"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/media\/18977"}],"wp:attachment":[{"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/media?parent=18976"}],"wp:term":[{"taxonomy":"project_category","embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/project_category?post=18976"},{"taxonomy":"project_tag","embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/project_tag?post=18976"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}