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Fresh Start Checking, Savings & Credit

Build Credit with Fresh Start Accounts

Need to build or rebuild your credit? Our Fresh Start program allows members with past credit challenges to rebuild their credit or young adult members to build their credit with a checking account, credit card, or a personal or auto loan. We can help improve your credit while gaining financial freedom.

Fresh Start Checking

A Fresh Start Checking Account from Laramie Plains Federal Credit Union allows members worldwide access to their money with a VISA® debit card and has no minimum balance requirements. This account is uniquely designed to allow members with past account closures to open a checking account when other institutions refuse. Earn rewards on debit card purchases with UChoose Rewards or our exclusive Cash for College Rewards.

Fresh Start Checking Account benefits:

  • E-Services – Freedom to manage personal finances at your convenience.
  • Shared ATM Network – Surcharge-free access to your money, almost anywhere at more than 30,000 locations worldwide.
  • UChoose Rewards – Earn 1 point for every $2 spent. Redeemable for travel, entertainment, merchandise, and millions of other exciting options.
  • Cash for College Rewards  - Earn free money toward anyone’s higher education.
  • $5.00 a month service fee.

INQUIRE NOW about Fresh Start Checking.


Fresh Start Credit Card

Members that don’t qualify for a credit card account under standard programs have the ability to have a credit card with Laramie Plains Federal Credit Union by securing the charges with a deposit at the credit union. Members can use the credit card for purchases, reservations, car rentals at the same time building credit!

INQUIRE NOW about carrying a Fresh Start Credit Card.

Credit Card Payment Calculator

You can make easy payments through Home Banking using several options with E-Services.


Fresh Start Personal Loan with Savings Feature

A Fresh Start Loan from Laramie Plains Federal Credit Union allows members to establish or rebuild credit and save money at the same time.  The unique savings feature makes sure members improve their credit while gaining financial freedom. Loan amounts up to $1,000.00 for a maximum term of 12 months.

INQUIRE NOW to build or rebuild your credit. 

Loan Calculator

Life happens. Death, disability, unemployment and other unforeseeable events are simply a part of life that we want you to be prepared for.  That’s why we have partnered with TruStage to offer optional insurance if the unexpected does happen.

You can make easy payments through Home Banking using several options with E-Services.


Fresh Start Auto Loan

A Fresh Start Auto Loan offers members with no credit or with past credit challenges the opportunity to obtain financing at competitive rates. Through the installation of a GPS Device with Automated Collection Technology, members can purchase an auto with minimal or no down payment and have the opportunity to establish or rebuild their credit.

INQUIRE NOW about driving your own car!

If you are shopping at any of our Partner Dealerships, let them know you want a Laramie Plains Federal Credit Union member rate.

Loan Calculator

Receive discounts on car insurance by being a member of Laramie Plains Federal Credit Union. Get a quote today at TruStage.

Life happens. Death, disability, unemployment and other unforeseeable events are simply a part of life that we want you to be prepared for.  That’s why we have partnered with TruStage to offer optional insurance if the unexpected does happen.

You can make easy payments through Home Banking using several options with E-Services.