Signature/Share Secured Loan Rates

Signature/Share-Secured Loan

Rates effective as of 10-01-2018 and are subject to change
TypeTermMaximum AmountAPR*
Signature Loan48 months$25,000As low as 8.9%1
Share-Secured Loan60 monthsBalance of Savings3.95%2
PayDay Loan1-6 months$200 - $75027.90%
*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.

1 Monthly payment is $26.79 per $1,000 financed at 12.9% APR for 48 months
2 Monthly payment is $20.74 per $1,000 financed at 3.95% APR for 60 months

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.