Skip nav to main content.
Mobile App
Find it for free on the App Store.
Get The App
Mobile App
Find it for free on the App Store.
Get The App
  • New Website and Digital Banking Coming Soon

    Get ready for a whole new digital experience! Our new website and digital banking platform will be launching soon. Make sure your contact information within online and mobile banking are up to date so we can keep you up to date on the latest details.

Share Secured Loans

Just the loan for you

New to AFFCU? Join and apply. Members can apply now.
Join & Apply        Apply Now

  • How does a share secured loan work?

    A share secured loan offers low rates, flexibility, and quick approval. Here’s how it works: you use your existing AFFCU share certificate or savings as collateral for your loan. Continue to earn interest and leave your savings untouched, while still having extra cash at hand. Plus, you won’t need to bother with a credit check or lengthy approval process.


    Already applied?


    Check Application Status

    • Quick approval; no credit check required
    • The lowest rate with flexible payment options
    • Borrow up to 100% of your account balance
    • Great for building or repairing credit
    • Learn About Credit Insurance

    "With the expert help of the credit union representative, I was able to make my dream a reality and I can’t thank AFFCU enough.”

    John Hooper, member since 2014
    New to AFFCU?

    You can get started here.

    Join & Apply

  • Type Share Secured Rate

    Rates Effective as of: 05-24-2022
    Term Rate Monthly Payment1
    6 to 60 months 1.5% above the pledged share APY $17.35

    Subject to change at any time without notice. Membership eligibility required.

    1 Monthly payment is based on payment per $1,000 for the maximum term and rate shown above. For share secured loans, the estimated monthly payment per $1,000 borrowed at 1.6% (1.5% above the pledged share APY which is currently .10%) for 60 months is $17.35

    Monthly payment required.

How can we help you succeed?