Signature/Share Secured Loan Rates

Signature/Share-Secured Loan

Rates effective as of 1-01-2016 and are subject to change
TypeTermMaximum AmountAPR*
Signature Loan48 months$25,000As low as 11.39%1
Share-Secured Loan60 monthsBalance of Savings8.95%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 8.95% APR for 60 months

Share Certificate (CD) Loans

With a Share Certificate loan, your loan is secured by your Certified Federal 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 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.