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Certificate Secured Loan

Earn interest on your Certificate of Deposit while using it as collateral. 

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Make Your CD Work for You

It’s possible to cover your current needs while making your money work for you. With a Certificate Secured loan, you can borrow the funds you need at a lower interest rate without depleting your existing cash.

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  • Fixed Rates: Certificate rate + 2.00% APR1 for predictable monthly payments (example: Certificate rate of 3.50% + 2.00% = 5.50%)
  • 12 to 60 Month Terms: Minimum $500 certificate 
  • Use the Funds the Way You Want
  • Easily Manage Your Loan: Access your loan through the Online Banking portal or Mobile App

Certificate Secured Loan Rate

APR Term
2.00% + Current Certificate rate Fixed
APR
2.00% + Current Certificate rate
Term
Fixed

Disclosures

1APR = annual percentage rate. Borrower must provide the funds to open a Certificate of Deposit (CD) that will be used as collateral for the loan. Rates vary based on current CD rates + 2.00%. Minimum of $500 and up to 60 months. Subject to approval and underwriting factors. Rates, terms and conditions are subject to change at any time without notice. APR is 5.70% as of 04/7/2026, subject to change. A sample certificate secure loan monthly payment based on $5,000 at 5.70% APR for 2 years is $31.90. 

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FAQs

A certificate secured loan provides the guarantee of collateral, making it easier to get approved. It's a good way to obtain the funds you need while maintaining your savings, and without breaking the certificate and paying costly fees. Enjoy the benefit of continuing to earn interest on your certificate while paying the loan down. A certificate secured loan is also a great way to improve your credit score. 
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