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First Time Borrower

We're invested in the youth of Delaware and Maryland, even when they go beyond for college. Younger members can take advantage of special accounts tailored to them as they start to learn about managing money wisely.

Our First - Time Borrowers Program is Head of The Class

A good education includes learning how to be responsible with your money, and our first-time loan options are ideal for providing real-world experience. Whether it's a credit card or mortgage, Tidemark Federal Credit Union helps our members get ahead.

If you have limited funds or no credit history, we can still help you finance a vehicle, get a mortgage or obtain a VISA credit card.

First - Time Visa Credit Card

Get the spending flexibility of VISA®, even if you don't have a guarantor and lack credit history. You'll need an active Tidemark Federal Credit Union checking account and show that you can manage your monthly payments.

  • Up to $500 line of credit to start
  • Increases by $500 in six months and $1,000 annually, if your income supports the increase (you must request the increases)
  • Once you've reached our minimum standards for credit history, you'll be considered under our standard loan policies