MyPath Savings2Credit


In today’s economy, a credit score opens doors or closes them, and all too often low-income young adults have no credit or have damaged credit. The only program of its kind in the U.S., MyPath Savings2Credit engages young adults in credit-building and saving, increasing their access to quality employment, quality financial products, college, entrepreneurship and housing.

Integrated into existing youth workforce settings that reach young adults ages 18 – 24 years old earning money, MyPath Savings2Credit combines credit-building loans and savings products with one-on-one financial coaching. Enrollment and implementation are made easy for participants through automatic payments and direct deposit.


      • MyPath Credit participants that start with no credit achieve average credit scores between 650 and 700 within six months of the program.
      • 85% of MyPath Credit participants see an improved FICO credit score at the end of the program.
      • MyPath Credit participants with damaged credit experience an average jump of 30+ points after six months of the program.

MyPath Savings2Credit’s innovation and promise were highlighted in The Power of Credit-Building by Credit Builders Alliance & Asset Funders Network in 2014. The report showcases the importance of both building and rebuilding credit with low-income populations. MyPath Savings2Credit was featured as the only such program serving youth in the United States.


Self-Help Federal Credit Union ● Year Up San Francisco and Year Up Silicon Valley

Become a Partner

If you are interested in learning more about our MyPath Savings2Credit model, please contact our Senior Manager of Design & Innovation, Andrea Yee, at