Signature/Share-Secured Loan
Rates effective as of 12-01-2018 and are subject to change
| Type | Term | Maximum Amount | APR* |
|---|---|---|---|
| Signature Loan | 48 months | $25,000 | As low as 8.9%1 |
| Share-Secured Loan | 60 months | Balance of Savings | 3.95%2 |
| PayDay Loan | 1-6 months | $200 - $750 | 27.90% |
*Standard rate based on Premier FICO score 750+. Certified Federal Union has a managed-risk credit program and rates vary based on your individual FICO score, except for Share Secured Loans. |
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Share Certificate (CD) Loans
With a Share Certificate loan, your loan is secured by your Certified Federal Credit Union Share Certificates. The amount of your loan cannot exceed 90% of your Share Certificate account balance.
Share Secured Loans
With a Share Secured loan, your loan is secured by your Certified Federal Credit Union Share account. The amount of your loan cannot exceed your Share account balance.
PayDay Loans
PayDay Loans are a fast, convenient way to get cash to pay bills and avoid returned checks. These loans are for emergencies only and have much more reasonable rates than Cash-Advance Lenders. There’s no wait & no credit check! A $20 application fee applies.