Oct '25 • 💎ALL THE GAME
đź’ł Credit Unions That Offer Secured (Share/Certificate) Loansđź’°
Credit Unions List:
Chevron Federal Credit Union (CA) – Share Secured & Certificate Secured loans — borrow against savings/certificates and keep earning dividends.
Georgia United Credit Union (GA) – Share Secured & Certificate Secured Loans: borrow using your deposit account as collateral.
Credit Union of Ohio (OH) – Secured Loans where you can secure the personal loan against your share savings account and continue earning dividends.
Credit Union of Southern California (CA) – Savings Secured & Certificate Secured Loans: borrow up to ~95% of your savings balance.
Patelco Credit Union (CA) – Savings Secured Loans: borrow against your savings deposit, no setup fee, relatively low fixed rate.
LGE Community Credit Union (GA) – Secured Loans against your share or certificate accounts — e.g., rate as low as ~2% above your current dividend rate.
First Tech Federal Credit Union (Nationwide) – Savings Secured / Share Savings Secured Loans: borrow $500-$500,000.
California Coast Credit Union (CA) – Secured Signature Loan: borrow up to 100% of your available deposits, continue earning interest.
Self‑Help Federal Credit Union (Nationwide) – Share Secured Loan: use your savings or term certificate as collateral.
People First Federal Credit Union (PA) – Share Secured Loan for credit building: you put funds in a savings account and use that as collateral.
Navy Federal Credit Union (Nationwide/military) – Savings Secured & Certificate Secured Loans: fully secured by your savings or certificate.
The Atlantic Federal Credit Union (NJ) – Share Secured loans: borrow up to full amount of your certificate/share balance.
Securityplus Federal Credit Union (MD) – Share Secured loans: use your savings account as collateral, funds continue to earn interest.
Emerald Credit Union (VA) – Share Secured Loans: deposit/certificates pledged, funds remain working while you borrow.
Circle Federal Credit Union (NJ/PA) – Share Secured Loans: borrow against savings/CD, fixed rate, keep assets earning dividends.
SAFE Federal Credit Union (SC) – Share Secured & Share Certificate Loans: borrow using your own savings as collateral.
Houston Federal Credit Union (TX/SC) – Share Secured Loans: use savings/money market/certificate account as collateral; funds remain earning dividends.
Great Lakes Credit Union (MI) – Share Secured & “Share Secured Plus” Loans: borrow against share savings, build credit.
1st United Credit Union (CA) – Share Secured Loan: use savings balance as collateral, continue earning dividends.
America First Credit Union (UT/ID etc) – Share Secured & Certificate Secured options up to 120 months.
Members Choice Credit Union (TX) – Share Secured Loans up to 100% of share balance, also CD secured.
Utilities Employees Credit Union (CA) – Savings/Shares Secured Loans: your funds stay on deposit while borrowing.
NIH Federal Credit Union (MD/Nationwide) – Share Secured Loan: pledge savings/certificate, term up to 10 years.
Agriculture Federal Credit Union – Share Secured & Certificate Secured Loans: borrow up to 100% of share savings balance.
DCU (Digital Federal Credit Union) – Savings Secured Loans: borrow against your savings account balance at low rates instead of spending it when you need funds.
Union Fidelity Federal Credit Union – Share Secured Loans: your deposit in a savings account or certificate serves as collateral while you continue to earn dividends.
Credit Union of Texas (CUTX) – Secured Personal Loan: Use your savings account or certificate as collateral; the funds remain earning interest.
State Employees’ Credit Union (NC/SC/GA/VA/TN) – Share Secured Loan: your share account is held as collateral, and continues to earn dividends.
Collins Community Credit Union – Share Secured Loan uses savings/CD as collateral, offers flexible terms up to 72 months, no prepayment penalty.
Security Service Federal Credit Union (TX/CO/UT) – Large multi-state credit union where secured loan products are commonly available (verify specific details with them).
đź’ˇ Pro Tip:
âś… These loans report to credit bureaus, so timely payments help build credit.
âś… Confirm your membership eligibility (many credit unions have geographic or employment-based membership).
âś… Confirm current rates & terms; they vary by pledged amount, term, and account type.
✅ Use the savings/certificate as collateral → funds stay in your account earning dividends, locked until you pay down the loan.
âś… Strategy: Borrow a manageable amount, pay off quickly, release the funds but keep the loan active for credit-building.
âś… Most of these Credit Unions have associations that you can join for free to gain access to their banking relationships!
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đź’ł Credit Unions That Offer Secured (Share/Certificate) Loansđź’°
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