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Certificate Secured Loan

A certificate secured loan uses your certificate as collateral against the loan. It is the easiest way to build or rebuild your credit. Rates and payments are kept low. If you don’t have funds available to borrow against, please contact us for additional options to build or rebuild your credit.

Features Benefits
No processing feesSaves money
Competitive interest rate; 2% above certificate rate rounded up to the nearest .25%Saves money
No pre-payment penaltiesSaves money
Payments may be made via Payroll Deduction, automatic payments, iTalk, Online Banking or by phoneConvenient
Loan amount can be up to 100% of share certificate account balance. Term cannot exceed the term of the certificate.Convenient
Automatic approval up to the amount of the funds on depositConvenient
Establishes credit history for new borrowersPeace of mind
Member’s Choice™ Borrower Security makes your loan payment in the event of an emergencyPeace of mind, flexible
Access to account information in person, by mail, iTalk and Online BankingConvenient
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