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Share Secured Loans

Just the loan for you

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  • 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.

    • 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

    "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
    Apply online

    Fill out an online application and get approved fast.

    Apply Now

    FREE Emergency Savings Interactive Lesson

    Emergencies happen. Building an emergency savings account that is dedicated to handling the unexpected is important.


    FREE Budgeting For Families Interactive Lesson

    Budgeting and planning family finances are key to controlling spending and planning for a healthy financial future.


  • Type Share Secured Rate

    Rates Effective as of: 04-12-2021
    Term Rate Monthly Payment1
    6 to 60 months 1.5% above the pledged share APY $17.31 Apply Today

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

    1 Monthly payment is based on payment per $1,000 for term and rate shown above. For share secured loans, estimated monthly payment per $1,000 borrowed at 1.5% above the pledged share APY for 60 months is $17.31.

    Monthly payment required.

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