Build A Good Credit History
Most credit unions offer secured cards to their members. You can use a secured credit card to build a credit history. In order to build a good credit history, you will need to only buy what is necessary and not indulge in impulsive shopping.
You should also pay off the card every month. In fact, your best bet would be to pay in full to gain an excellent credit history. As your credit rating improves, you can apply for an unsecured card. Most banks and credit unions normally observe individual usage of the secured card for a year, before accepting the application, for an unsecured card.
The process of getting a credit union credit card is much easier that getting it from a bank. Since you are a member of the credit union and not a customer, it enables you to get better customer service at the credit union.