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A Certificate Secured Loan lets you borrow against your existing AFFCU Share Certificate as collateral for a low-rate loan.
Unexpected expenses happen and if you want to avoid high-interest credit card debt or paying early withdrawal fees on your AFFCU Share Certificate, consider borrowing against it with a Certificate Secured Loan.
Borrowing against your Share Certificate 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.
Build or Repair Credit
Rates effective as of:
|6 to 60 months
|2.5% above the pledged Share Certificate 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 5.70% (2.5% above the pledged Share Certificate APY of 3.20%) for 60 months will have an estimated monthly payment of $97. Use an AFFCU Financial Calculator to calculate loan payment amounts.