Borrow Smart Without Touching Your Savings
Use What You’ve Saved to Unlock What You Need
A Share Secured Loan lets you borrow against your savings while your money continues to earn dividends. It’s a powerful way to access funds without starting from scratch.
Your Savings, Still Working Behind the Scenes
Instead of withdrawing your savings, use them as collateral—and keep your financial momentum going.
- Keep earning dividends on your savings
- Lower interest rates than unsecured loans
- No need to dip into your emergency fund
- Great option for building or improving credit
- Simple and fast approval process
How It Works (Simple + Smart)
- Funds in your savings account are used to secure the loan
- You receive the loan amount to use as needed
- Make fixed monthly payments
- Once paid off, your savings remain fully yours
It’s like borrowing from yourself… but smarter.
Compare: Share Secured Loan vs. Traditional Loan
| Shared Secured Loan | Traditional Loan |
|---|---|
| Backed by your savings | Based on credit/income alone |
| Easier approval | May require higher credit score |
| Lower interest rates | Typically higher rates |
| Helps build credit safely | Less flexible for credit building |
Share Secured Loan Requirements
All of the following are required:
- Completed loan application
- Experian credit report – $10.00 fee
- Verification of income
- Sufficient funds in savings account
- Based on credit status
Ready to Get Started?
Put your savings to work in more ways than one.
*Must be a member in good standing to apply.
**APR = Annual Percentage Rate. Rates as low as 2.5% APR are based on creditworthiness and may vary. Final rate is determined by credit profile and other underwriting factors. Not all applicants will qualify for the lowest rate.