Opening the Door to Fair Credit and More Savings Easy-to-open accounts with low fees and a focus on accessibility and transparency. Lending that accommodates limited or imperfect credit histories. We often are able to serve families that have faced financial difficulties. Interest rates based on the cost of delivering fair and responsible loans, not a desire to maximize profits. Home loans with flexible credit standards and low down payments. "Credit Builder" and "WealthBuilder" loans that help borrowers improve credit scores and build savings.