Share & Term Share Certificate Secured Loans

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Use Your Savings to Secure a Better Loan

Need access to cash but don’t want to dip into your savings? With a Share or Term Share Certificate Secured Loan, you can borrow against your existing funds without interrupting your earnings. It’s a smart, low-risk way to access the money you need while your savings continue to grow.

How It Works

By using your Share or Term Share Certificate as collateral, you unlock one of the lowest loan rates we offer. Your savings remain on deposit, earning dividends, while you borrow up to 100% of your account balance. As you repay the loan, your secured funds are gradually released back to you.

Borrow Smart—Backed by Your Savings

Use your existing Share or Term Share Certificate as collateral and enjoy one of our lowest loan rates. Visit a branch to apply and access the funds you need without touching your savings.

Why Choose a Share or Term Share Certificate Secured Loan?

Get the funds you need while keeping your savings intact, with one of our lowest-rate borrowing options.

Because you’re borrowing against your own funds, this type of loan comes with one of the lowest rates we offer. Your interest rate is just 2.5% higher than the dividend rate on your certificate, making it a smart, cost-effective option.

Your Share or Term Share Certificate continues to earn dividends even while it’s being used as collateral. That means your savings keep growing while you access the cash you need.

You can borrow up to the full value of your certificate, giving you access to maximum funds without touching your savings. As you pay down the loan, those funds are gradually released back to you.

We offer a variety of repayment options to match your financial situation. Whether you need a shorter-term payoff or smaller monthly payments, we’ll help you find a term that works.