Share Secured Loans
Access immediate cash, build your credit score, and leave your hard-earned savings exactly where they belong—earning interest for you
Borrow From Yourself. Keep Your Savings Growing.
A share secured loan is a powerful, low-risk financial tool that allows you to borrow against your own credit union deposits, such as a savings account or certificate of deposit (CD). Instead of withdrawing your funds and losing out on compounded dividends—or facing costly early withdrawal penalties—you can use your existing balances as collateral to secure a highly competitive interest rate.
Whether you are searching for credit-builder financing options, looking to repair your credit score without a mandatory credit check, or simply need an alternative to high-interest personal debt, borrowing from yourself is a savvy strategy to maintain financial momentum while keeping your clean energy deposits working for the planet.
The Smart Way to Protect Your Progress
When you need extra cash for an unexpected expense, a home upgrade, or a financial emergency, your first instinct might be to dip into your savings. But draining your accounts forces you to hit the “reset” button on your financial goals and stops your money from earning dividends.
The Savings Strategy
If you have money locked in a high-yield CD, breaking it early means paying steep withdrawal penalties. A share secured loan gives you liquid cash instantly, often at an interest rate just slightly above what your CD is earning—meaning your actual out-of-pocket cost to borrow is remarkably low.
Why Choose a Share Secured Loan?
A share secured loan flips the script. By using the funds already in your savings account or Certificate of Deposit (CD) as collateral, you can borrow up to 100% of your balance at an incredibly low interest rate. Your money stays in your account, your green investments continue supporting clean energy projects, and you get the cash you need today.
The Safety of an Untouched Emergency Fund
Watching your savings balance drop to zero is stressful. With a share secured loan, you don’t have to choose between handling today’s surprise expense and keeping your financial safety net intact. You get the cash you need, while your emergency fund stays exactly where it belongs: protecting your peace of mind.
The Ultimate Credit Builder
Trying to establish credit for the first time or bounce back from a tough financial patch? Every on-time monthly payment you make on your share secured loan is reported to the major credit bureaus, steadily driving your score upward.
Keep Earning Your Dividends
Don’t hand your hard-earned dividends back to the bank just because you need cash before your CD matures. Borrowing against your own deposits lets you outsmart early withdrawal penalties. It’s the ultimate financial power move: you get instant liquidity, while your locked funds keep compounding daily.
Breaking the Debt Cycle
You don’t need to rely on high-interest credit cards or predatory lenders to fix your credit. Take control of your financial future by borrowing from the one person you can always trust: yourself. Every on-time payment you make goes straight to the credit bureaus, proudly proving that you are building a rock-solid foundation.
Completely Fee-Free Financing
No application fees, no hidden administrative costs, and absolutely no prepayment penalties. Pay it off as fast or as slow as your budget allows.
Looking for low interest share secured loans to access quick cash without disrupting your long-term savings goals?
No Credit Check Required
Because your loan is fully backed by your own deposits, there is zero risk to the credit union. That means no credit check is required, making this the fastest, easiest loan approval process available.
No Fees
No need to worry about extra fees or penalties when applying for a share secured loan.
Terms of Up to 120 Months
We offer incredibly flexible repayment timelines—up to 10 years—so you can structure a monthly payment that feels effortless to manage.
Up 100% of Your Deposit Balance
Get full access to your funds and borrow up to 100% of your deposit balance or less.
Lower Rate
We keep interest rates low so you can focus on building your credit and your savings account.
Earn Interest
You can continue to earn interest on your deposits in your checking, savings, or CD account.
Ready to Apply for Share Secured a Loan?
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