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Unlock the Value of Your Share Certificate with a Certificate Secured Loan!

Sometimes life happens. You lock your extra cash into a Share Certificate for a few years, but now you need those funds to repair your car, fix the water heater or other things. Rather than paying early withdrawal fees on your Share Certificate, consider borrowing against it with a Certificate Secured Loan! You’ll get a set, low rate on your loan and you’ll get to keep earning interest on the money in your Share Certificate.

  • Loans From $500 to $50,000
  • Set, Low Rates
  • Continue Earning on Your Share Certificate
  • 60 Month Repayment Plan
  • Avoid Early Withdrawal Penalties
  • No Early Payoff Penalties

Benefits/Features

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Certificate Secured Loan Rates

View All Rates Apply for a Loan Make a Payment

Should I transfer my credit card balances?

You might realize significant monthly interest savings by transferring your higher rate credit card balances to a lower rate credit card. Use this balance transfer calculator to help determine those potential savings.

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Personal Loans (Secured)
Loan TypeMaximum AmountMaximum TermAnnual Percentage Rate
Savings Secured $50,000 60 Months 3.00%
Certificate $50,000 60 Months 3.00% Above Certificate Rate

LOAN TYPE
Savings Secured and Certificate

MAXIMUM AMOUNT
$50,000, $50,000

Loan Payment Example:
Savings Secured: $17.97 per month per $1,000 borrowed at 3.00% APR for 60 months
Certificate: $17.97 per month $1,000 borrowed at 3.00% APR for 60 months

Information accurate as of April 1, 2025.

Certificate Secured Loans Questions

Can I pay my loan off early?
Is there a fee for paying off my loan early?
What is interest?
Can my rate change after I’m approved for a loan?

What happens if my certificate draw period ends before my loan does?
Can I get a Certificate Secured Loan on any Share Certificate?

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