Share or Certificate Secured Loans

These loans are secured by either a share account or a certificate. This is an ideal account when you need cash, but want to hold on to your savings, and can be a great credit building tool.

You can save money with a great interest rate and develop your credit!

Current Share or Certificate Secured Loan Rates:

These rates are effective as of September 3, 2014.

Type of Loan   Terms (months) A Rate APR B Rate APR C Rate APR D Rate APR E Rate APR R Rate APR
730 + 680-729 640-679 600-639 550-599 549-Below
Shares Pledged Shares - 100% of Balance Any Term 6.50% 6.50% 6.50% 6.50% 6.50% 6.50%
CD - 100% of Balance
3% APR Rate Floor
Term of CD 2.25% Over 2.25% Over 2.25% Over 2.25% Over 2.25% Over 2.25% Over

* Loan Payment Example: at 4.99% APR for a 60 month term with 0% down, monthly payments are calculated at $18.87 per $1,000.00 borrowed. APR = Annual Percentage Rate. * Not all borrowers will qualify for the lowest APR or 0% down. All Loans Subject to Eligibility Requirements.

$25 minimum monthly payments apply. Any vehicles with 150,000+ miles have a maximum term of 36 months. (does not apply to diesel engine autos) Rates Subject to change without notice. Secured rates based on 100% Loan to Value - Rate Adjustment for > 100% Loan to Value & Mileage may apply.