Share-Secured Loans

A Share-Secured Loan is a loan you make to yourself and is secured by the money in your Share Savings account. A set amount of money in your Share Savings account will be “frozen” until your loan is paid in full, and that amount serves as your credit line.

Why choose a Share-Secured Loan?

Helps you build (or rebuild) healthy savings habits
Boost your credit history and improve your credit score
Easier to be approved, regardless of your credit score
Your funds earn dividends while they are “frozen”
Loan can be used for any purpose
No application fee
A CreditSense Share-Secured Loan is also available as part of our CreditSense program to help rebuild your credit.

To apply for a Share-Secured Loan, contact us at 888-328-8677 or visit any branch location.

Share-Secured Loans
Term	APR*
Up to 29 months	3.49%
30 - 41 months	3.99%
42 - 53 months	4.19%
54 - 60 months	4.49%
Certificate-Secured Loans available at 3.0% over Share Certificate rate of the same term.

CreditSense Share-Secured Loans
	APR*
Contact us for terms and conditions	6.99%

Learn More about CreditSense

*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change at any time without notice. Your rate will be determined at the time of your application. Repayment Example: A loan of $10,000 at 3.49% APR for 29 months is a monthly payment of $360.07 and total interest of $442.16. Late payment fees and processing fees may apply.