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Certificate-secured Loan

Certificate-secured Loan


  • Use a certificate to secure a low-rate loan
  • Borrow up to the balance in your certificate
  • Fixed rate is 3% above pledged certificate dividend rate
  • Funds on deposits continue to earn dividends
  • Same term as the certificate
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  • 10-day grace period on payments
  • Payments can be made in branch, by phone, by mail, via online banking or direct deposit
  • The terms of repayment, which reflect the repayment obligations over the full term of the loan, incliding any balloon payment (i.e. 48 monthly payments of $22.85 per $1,000 borrowed. Rate 3% + saving dividend 1.60% = 4.60%)
  • Late payment charge (more than 10 days late): 20% of the interest due that month
  • No application fee
  • No pre-payment penalty
  • Apply online via Online Banking
  • Over the phone at 562.862.8141
  • In branch
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