Borrow without losing your safety net.
A Share Secured Loan* lets you borrow against the money you've already saved, so you can access funds for anything you can imagine without draining your account. With low rates and the opportunity to build or strengthen your credit, Share Secured Loans are a savvy way to balance borrowing and saving.
Your rate is simple and transparent:
APR1 = Share Dividend Rate + 3.00%Why choose a Share Secured Loan?
- Hold on to your savings
- Borrow at lower rates than credit cards
- No application fees or closing fees
- Build or rebuild credit with on‑time payments
*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 120 months for share secured loans. 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.
Personal 1-on-1 Financial Coaching
We know juggling finances along with everything else life throws at you can be challenging, but we're here to help. Partners Members can access free one-on-one financial coaching to help review your budget or manage your debt.