The Company
CreditStrong is a financial services product offered by Austin Capital Bank, an independent community bank and Member FDIC.
Austin Capital Bank is based in Central Texas and serves customers nationwide through responsible, regulated financial products. As an FDIC‑insured bank, Austin Capital Bank is subject to federal and state oversight and undergoes regular examinations by:
- The Federal Deposit Insurance Corporation (FDIC)
- The Texas Department of Savings and Mortgage Lending
This oversight helps ensure that our products and operations meet established safety, soundness, and consumer protection standards.
Our Products
CreditStrong offers a variety of credit builder accounts designed to help individuals and small businesses establish or improve their credit through responsible and affordable financial products.
When managed responsibly, CreditStrong accounts may help build positive credit history over time. Credit reporting and score impact can vary based on individual credit profiles, payment behavior, and other factors.
Types of Credit We Offer
Our consumer products are designed to support different types of credit profiles and goals, including both installment and revolving credit. We also offer credit-building products for eligible businesses.
Consumer Credit Builder Products
-
Installment Loans
- Instal
- Magnum
-
Revolving Lines of Credit
- CreditStrong Revolv
Business Credit Builder Products
-
CreditStrong Business
CreditStrong Business accounts are structured as financial tradelines intended to help eligible businesses establish or strengthen business credit history.
Account Limits
To support responsible credit use, customers may have the following accounts open at one time:
- Up to two consumer installment accounts
- Up to two consumer revolving lines of credit
- Up to two business credit builder accounts
(for the same business or different businesses, if eligible)
Account availability, approval, and terms are subject to eligibility requirements and underwriting criteria.
Learn More About Each Product
Select a product below to learn more about how it works and whether it may be a good fit for your goals:
| Type of Credit | Product Name |
|---|---|
| Credit Building Installment Loans | Instal, Magnum |
| Credit Building Revolving Lines of Credit | CreditStrong Revolv |
| Credit Building for Businesses | CreditStrong Business |
Our Commitment
We believe building credit should be transparent, educational, and accessible. Our goal is to provide tools that help customers take meaningful steps toward stronger financial health without hidden surprises.
If you have questions about a specific product or your eligibility, our Support team is here to help!