Secured Loans

• Establish or improve your credit history with a secured loan
• Variety of financing options available:
  • Share Secured
  • Secured Mastercard^®
  • Certificate Secured
• Flexible repayment terms
• No hidden fees
• Loan debt protection available
• Quick, local decision-making and processing
• Attentive, friendly service from start to finish

View Rates

If you have little or no credit, a share secured loan will help you create healthy credit history. It works just like a regular loan.

• Your credit limit is based on your deposit of at least $250
• Your deposit amount is held in your account as collateral
• Borrow any dollar amount, up to 90% of your available account balance
• Loan amount is distributed in one lump sum for your use
• Regular on-time payments build or repair your credit history
• Amount held as collateral is pledged against the loan
• As your loan is paid, the secured funds are released back into your account

You don’t have to pay early withdrawal penalties on your term certificate. Instead of cashing in your certificate before it matures, you can access your funds with a certificate secured loan.

• Minimum loan amount of $250
• Borrow up to 90% of your certificate
• Low interest rates
• Make on-time monthly payments to build credit while you watch your money grow
• Full access to your funds without early certificate redemption