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Certificate Secured Loan

Access cash while your investment earns.


You've worked hard to build your savings strategy. A Certificate Secured Loan* helps you tap into the value of your Partners Certificate when you need funds for whatever life brings. Use a dollar-for-dollar match to access cash while your Certificate stays intact and continues earning dividends.  
 
Your rate is simple and transparent:
APR1 = Certificate Dividend Rate + 3.00%
That means your rate is tied to your own account, not market fluctuations.
 

Why choose a Certificate Secured Loan?
  • Keep your investment intact and earning dividends
  • Borrow at lower rates than credit cards
  • No application fees or closing fees
  • Fixed monthly payments for easy planning
  • Access funds without the costs that can come from early Certificate withdrawal

 
 
Questions? Schedule an appointment with a Partners Representative today.










*Secured loan products require funds to be held on deposit or pledged as collateral for the duration of the loan. Funds may not be available for withdrawal until the loan is paid in full and deposit accounts remain subject to applicable terms and early withdrawal restrictions. Loan amounts available from $500; maximum term up to one month less than the remaining term of the certificate securing the loan. The maximum aggregate secured loan limit for any Member is the NCUA statutory maximum as listed in the latest revision of the NCUA regulations. Deposits held in IRA Share Accounts and IRA Certificates may not be pledged as security. All loans are subject to credit approval. Rates, terms and conditions apply and are subject to change without notice. Membership eligibility required. Loans subject to approval.
 
1APR = Annual Percentage Rate. Share Secured Loans and Certificate Secured Loans are secured by funds on deposit and typically reflect the dividend rate on the pledged account plus a margin of 3.00% APR as of June 1, 2026. 
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See How Much You Can Save

Discover a faster, clearer way to see how much you could save at Partners, before you apply on auto, credit card, and personal loans.