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A certificate secured loan is a personal loan that allows you to borrow against your savings account certificate with a …

Rates are set at a low fixed amount above the current share rate or your certificate rate; Borrow up to 100% of your account/certificate balance and pay the loan off at any time; Protect your assets with loan protection products Gesa Credit Union also does business as Inspirus Credit Union.

Borrow up to the secured amount, let your savings continue to earn interest, and keep a nice reserve of cash for when you might need it most.

Depending on the credit union and their specific policies, a borrower may be eligible to receive up to 150% of the account balance.

$18.71 a month based per $1,000 on a 5 year loan at 4.65% APR.We use cookies on this site to enhance your user experience.

You should review the privacy policy of any site before providing any information.There are no fees associated with this loan.

Since your account is earning dividends throughout the life of your loan, the actual loan ends up costing you less.

Apply Now. Share and Certificate Secured Loans USU Credit Union members can use funds in their Savings or Certificate accounts to secure loans at a lower rate than many other conventional loans.

The loan is secured by your savings account, share certificate account or money market account. You can use this type of loan to finance just about anything you need. Credit Insurance can reduce or eliminate what's left of a loan if something happens to the borrower. However, daily interest will accrue on any outstanding loan balance.Are there any fees associated with this type of loan? You receive a loan for the amount of cash you deposit, with fixed payment amounts that you feel comfortable with. Who would benefit from a share secured loan? Most credit-builder loans are limited to $500 to $1,500, though some loans can be as high as $5,000.

We make decisions locally and turn around applications in a matter of days. Convenient.

Share Secured & Certificate Secured Loans Establish a positive credit history with a secured loan. The content on this site is provided for informational purposes only and is not legal or professional advice. It’s the ultimate win-win solution.For more information or if you have a question, please get in touch with us. It’s always nice to feel extra secure. You can use the savings you have in a share or certificate account as collateral. You can use the savings you have in a share or certificate account as collateral.

This type of insurance protects the people you love in case of an unexpected injury, illness, or death. Share Secured Loan. Easy Online Access. Interest rates on share secured loans are a fixed amount above dividend rate on your savings account.

Share or Certificate Secured Loans give you the convenience of borrowing at a low rate, without even having your credit evaluated. Protect What Matters.

All rights reserved. Credit Human makes it convenient and economical for you to lend money to yourself, maximize your earnings, and maintain your savings power. A certificate secured loan is a loan provided through a credit union that is secured by the amount available on deposit in the borrower's share account.The funds are kept in the share for a specific period of time based on the terms of the loan.

Overview; Rates; FAQs; Overview Better than a warm blanket.

A secured loan from us gives you another option. We do not guarantee that the loan terms or rates listed on this site are the best terms or lowest rates available in the market. Consider, who would pay your bills If you became suddenly ill or injured, or if there was an unexpected death? You can usually get on-the-spot approval for a share secured loan. You'll get immediate loan approval with a low variable rate Share Secured Loan. Deposits held at Gesa Credit Union and Inspirus Credit Union, a Division of Gesa Credit Union, are not separately insured by NCUA.

Loans are secured by your share savings or certificate share account, and approvals are not based on your credit score. Share secured loans are available in a fixed rate with terms up to three years. Certificate Secured Loans. For more information, please see our If you are using a screen reader or other auxiliary aid and are having problems using this website, please call

3.) Share Secured & Certificate Secured Loans Establish a positive credit history with a secured loan.

With a share-secured loan, you could borrow more than that if you have the funds in your deposit account.

For latest rates, and specific product & services details - consult a qualified WCTFCU Employee. Advertised rates on this site are provided by the third party advertiser and not by us. Loan terms up to 120 months …

All lending decisions are determined by the lender and we do not guarantee approval, rates or terms for any lender or loan program. Loan rate is based at 2% above your Certificate rate and then rounded up to the nearest .25%. Certificate Secured Loans.