Use your savings without spending it! Share secured loans are fully secured by funds in your primary savings account or share certificate. The fund amount you pledge as security for your loan (plus the $50 minimum balance in your share account) must remain in your savings account or certificate for the life of the loan. This type of loan can also be a valuable tool to establish or rebuild your credit history.

• Maximum is available share balance
• Share balance must match loan amount
• Loan rates are determined based on the dividend rates for the securing account
• You can borrow up to $2,000 to contribute to an IRA – Traditional, Roth, or Education