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Secured Loans
Secured Loans
With our Share or Certificate Secured loan, you can build credit and save on interest by borrowing against the money in your savings account or in a certificate*.
Secured Loan Highlights
- No application fee
- Quick application and approval
- If secured against your share account, only 2% above the current minimum Base Savings rate
- Only 2% over the certificate dividend rate or the same certificate's current offered rate, whichever is greater
- Optional Debt Protection
*Bump Rate Certificates cannot be used as collateral on a Certificate Secured Loan.
What’s the Payment?
Learn how much you can afford to borrow and how much your payments will be with our helpful financial calculators.
Certificate-Secured Loan Rates
Loan rates for Certificate-Secured loans are 2.00% over the certificate dividend rate or the same certificate's current offered rate, whichever is greater.
| 24 Months APR as Low As1 | 36 Months APR as Low As1 | 60 Months APR as Low As1 | 96 Months APR as Low As1 | Alert Me |
|---|---|---|---|---|
| $500 minimum loan amount | $1,000 minimum loan amount | $5,000 minimum loan amount | $50,000 minimum loan amount | |
| Rate is 2% above dividend rate | Rate is 2% above dividend rate | Rate is 2% above dividend rate | Rate is 2% above dividend rate | |
| Membership eligibility and base savings account that keeps a $5 minimum balance required. Rates and terms are subject to change at any time without notice. Payment Example $5,000 loan at 2.40% APR for 60 months, monthly payments including first payment after 30 days of approximately $88.53. For an estimate of what your payment may be, Click Here To Use Our Loan Calculator. |
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Ready to Apply for a Secured Loan?
To apply, you must be an existing member or eligible to become a member. Everyone who lives or works in Bartow, Cherokee, Cobb, Douglas, Fulton, and Paulding counties is eligible to apply for membership, as are employees of the companies on our Partner Group list. Family members of existing members are also eligible.
All loans subject to approval.