Let Your Certificate Work Double Duty

Certificate Secured Loans

A Certificate Secured Loan lets you borrow against your existing AFFCU Share Certificate as collateral for a low-rate 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 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.

Certificate Secured Loan Features

No credit check required

Fixed interest rate for the life of the loan

Borrow up to 100% of your account balance

Funds in your Share Certificate continue to earn dividends

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	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.

Earn While You Borrow

Use the balance in your Savings Account as collateral for a one-time advance.

Learn More