generic background

Secured Loans

Get more value from your loan.

Building your financial foundation is simple with the right tools. With a secured loan, you borrow against your savings or Certificate. Your funds back your loan1 as collateral, so they stay on deposit and continue earning while you access cash at a low rate.
 
Secured loans meet you right where you are, whether you're looking for a better way to borrow or working toward stronger credit.

Why choose a secured loan?
  • Lower interest rates than credit cards
  • Fast approval decisions
  • Clear terms and fixed payments
  • On-time payments can improve credit scores
 
Ready to apply? Begin your loan application today.
 
 



shaking hands

 

Share Secured Loan2

Borrow against your savings account at just 3.00% APR3 higher above your dividend rate and enjoy lower borrowing costs.
 
 

man and woman looking at a paper

 

Certificate Secured Loan2

Access funds while your investment keeps working for you at just 3.00% APR3 higher than your Certificate rate.
 
 
 
Learn More

Partners HomeAdvantage

 

Credit Builder Loan3

Get a $1,000 savings‑secured loan with a low 3.50% APR4 and build credit by making on-time payments.
 
 
 
 
 
 
 
 
 
1Secured 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.
 
2APR = 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.
 
3Credit Builder Loans are designed to help establish or improve credit. Loan proceeds are held in a savings account until the loan is paid in full. Missed or late payments may negatively impact your credit score.
 
4APR = Annual Percentage Rate. 3.50% APR is accurate as of June 1, 2026. Funds are held in a secured savings account and released upon full repayment of the loan. Monthly payments are reported to major credit bureaus. Making on-time payments may help improve your credit score; however, results are not guaranteed and may vary by individual. Terms and conditions apply
 
 










person on laptop

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.