Share / Certificate Loan
A Share or Certificate Loan lets you borrow at a lower rate by securing your loan with your own savings or certificate. This brings you affordable financing while keeping your money working for you.
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What's a Share / Certificate Loan?
A Share or Certificate Loan is a secured loan that uses your savings account or certificate (CD) as collateral, helping you qualify for a lower interest rate while maintaining access to your funds at repayment. Here’s what it offers:
- Secure your loan with a savings account or certificate
- Enjoy a low fixed rate with no application fee
- Choose terms up to 60 months, based on certificate length¹
- Access your funds in the account once the loan is repaid
- Example: If you use a certificate as collateral, you can borrow against it at a rate typically lower than an unsecured loan. Then regain full access to your savings after repayment.
Why get a Share / Certificate Loan?
A Share or Certificate Loan is a smart option for borrowers looking to save on interest while leveraging funds they already have. All without giving up long‑term savings goals. Here’s why it may be a great fit:
- Lower your interest rate by using existing savings
- Avoid application fees and high borrowing costs
- Keep your savings or certificate intact while borrowing
- Enjoy predictable monthly payments with a fixed rate
- Add peace of mind with optional Debt Protection
How a Share / Certificate Loan works.
Simple steps to borrow at a lower rate using your savings.
Apply online for a Share or Certificate Loan and choose your savings or certificate as collateral.
Your savings or certificate secures the loan, helping reduce your interest rate.
Make fixed monthly payments over your chosen term.
Once the loan is fully repaid, you regain access to the full balance of your savings or certificate.
Estimate your personal Share / Certificate Loan payment.
The loan calculator is an estimation tool to help the user understand what it may take to pay back a theoretical loan. Not all terms provided by or entered into the loan calculator may be offered by the Credit Union. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, collateral conditions, and other factors. The loan calculator estimates are not loan quotes. They may or may not be representative of your personal circumstances. The estimate is not a guarantee for a loan. Not all borrowers or loans will be eligible for the interest rates. Subject to credit approval.
Ready to borrow at a lower rate using your savings?
Apply now for a Share or Certificate Loan to take advantage of lower interest rates while keeping your savings working for you.
Frequently Asked Questions
A Share Loan is secured by your savings account, while a Certificate Loan is secured by a certificate of deposit (CD). Both allow you to borrow at a lower rate using your own funds as collateral.
Your savings or certificate secures the loan while it’s active, but once the loan is fully repaid, you regain full access to those funds.
Because the loan is secured by your savings or certificate, it typically carries a lower interest rate than an unsecured personal loan.
Have questions about a Share / Certificate Loan?
- 12–60-month term based on the CD term. Fixed Annual Percentage Rate. No downpayment required. Estimated monthly payment for $10,000 loan for 48 months at 4.00% APR is $225.81. Loan rate is 2% above existing CD rate; however, rate cannot be lower than floor rate. A full payment is due monthly; cannot come from a Savings Pledge.
All loans subject to approval. Rates and terms may vary based on creditworthiness of borrower.