Let Your Certificate Work Double Duty
Certificate Secured Loans
A Certificate Secured Loan lets you borrow against your existing AFFCU Certificate Account as collateral for a low-rate loan.
Already an AFFCU member?
Either log in to Digital Banking or stop by an AFFCU Financial Center to apply for a Certificate Secured Loan.
About Certificate Secured Loans
Unexpected expenses happen and if you want to avoid high-interest credit card debt or paying early withdrawal fees on your AFFCU Certificate Account, consider borrowing against it with a Certificate Secured Loan.
Borrowing against your Certificate Account can help build or re-establish credit, and you’ll continue to earn interest while still having extra cash at hand. Plus, you won’t need to bother with a credit check or lengthy approval process.
Certificate Secured Loan Benefits
Low Rates
Build or Repair Credit
Less Risk
Flexible Terms
Certificate Secured Loan Rate
Rates effective as of:
| Term | APR* |
|---|---|
| 6 to 60 months | 1.5% above the pledged Certificate Account APY |
* APR = Annual Percentage Rate. Membership eligibility required. Rates subject to change at any time without notice.
Certificate Secured Loan payment example: $5,000 borrowed at 3.8% (1.5% above the pledged Certificate Account APY of 2.20%) for 60 months will have an estimated monthly payment of $92. Use an AFFCU Financial Calculator to calculate loan payment amounts.