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Share Secured Loans

Secure solutions to support growth.

Building a strong financial foundation takes time, intention, and the right tools. At Partners, our share secured loan options are designed to meet you where you are. Whether you’re working toward stronger credit or looking for a smarter way to borrow using the savings you’ve already built, each option offers stability, flexibility, and a clear path forward.

Credit Building with Confidence

A Partners Share Secured Loan or Visa® Share Secured Credit Card helps you build or rebuild credit using your own savings as collateral. Your on‑time payments are reported to major credit bureaus, strengthening your payment history while your savings remain untouched.

Borrowing That Works Smarter

Partners Share Secured and Certificate Secured Loans give you access to funds without disrupting your financial plans. By borrowing at a rate based on your Share or Certificate dividend plus 3.00% APR,* you can maintain liquidity, reduce interest costs, and continue strengthening your credit.


  • No Annual Fee, Balance Transfer Fee, or Cash Advance Fee1
  • Tap‑to‑Pay contactless technology
  • Online & Mobile Banking card management
  • Fraud alert protection
  • Mobile wallet compatible
  • Visa’s Zero Liability Policy2 
 

1Other fees and conditions may apply. Click here to view rates & conditions.

2With Visa’s Zero Liability Policy, you won’t be held responsible for unauthorized transactions made with your Visa card. You’re covered if your card is ever lost, stolen or fraudulently used. You must use care in protecting your card and you must notify us immediately of any unauthorized use.

  • No application fee or prepayment penalty1
  • Loan amount cannot exceed the balance of the share or certificate used as collateral
  • Loan term must end at least one month before certificate maturity
  • IRA Shares and IRA Certificates cannot be used as collateral
 
 
1Loan approval is subject to credit qualification. The Annual Percentage Rate (APR) is the Share Dividend Rate plus 3.00%, with loan amounts ranging from $500 to $200,000. For Share Secured loans, terms are up to 120 months. For Certificate Secured loans, terms are based on the maturity date of your certificate selected. 







Built‑In Peace of Mind

With no annual fees, no pre‑payment penalties, and strong fraud protection, our secured options are designed to support your progress without adding unnecessary stress. You stay in control of your financial journey while keeping your savings intact.

 

*APR = Annual Percentage Rate.

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Learning Pays!

Our team of financial educators facilitate in-person and virtual workshops on a wide variety of topics ranging from Budgeting Essentials, Credit 101, First-Time Home Buyer, Saving for Retirement, and more.