Less Risk
Use your savings as collateral.
A lower-risk way to borrow while keeping your savings intact.
Instead of borrowing based on credit alone, you borrow against your own savings. You still earn dividends on that money while using the loan.
Why people choose this
- You don't want to dip into savings all at once
- You're working on building or improving your credit
- You want a lower-risk borrowing option
How it works
- Your savings or certificate secures the loan
- As you pay down the loan, your funds become available again
- Your savings continue to earn dividends the whole time
What to expect
- Terms up to 12 years
- Fixed monthly payments
- Ability to use your own funds or even pledge from another account
Rates
2.55% APR*
Main Share Savings Pledge Loan
Call for current rates APR*
Certificate Account Pledge Loan
Features & Benefits
- Up to 144 months (12 years)
- As the loan is paid off, secured funds become available to you
- Funds can be pledged from another person’s account
- Funds continue to earn dividends
- Submit a Debt Protection Claim
Earn more
Gain dividends while you borrow.
Flexible Terms
Up to 144 months (12 years)Disclosures
Effective Date: 04-01-2026
*APR = Annual Percentage Rate. The maximum APR, for any type of loan, shall not exceed the limit set by applicable law(s). The loan rate will be the rate in effect when the loan is completed. Rates and terms are subject to change at any time. Please contact the Credit Union for further information.