I just joined another Credit Union called Schools First and I was wondering what the credit benefits it had to offer: Here are some of the main credit options available: 1. Credit Cards 2. Personal Loans 3. Auto Loans 4. Home Equity Lines of Credit (HELOCs) 5. Mortgages and Home Loans 6. Student Loans 7. Business Loans 8. Secured Loans Just like Navy Fed you will have to have a family member that already has an account with them in order to have an account, or you will have to work at a school to qualify. These are just some of the main advantages Schools First Credit Union has to offer in building your credit.