Share/Certificate Secured

Maybe you have the money but just don’t want to spend it. With a share secured loan you can borrow against the funds in your account. We will hold the amount that you borrow and as you pay it back, the funds become available.

Plus you will continue to earn interest on your account, thus reducing your loan rate. At the end of the loan you have, not only what you purchased, but also the funds in your account. This is perhaps the easiest loan to get and one of the lowest interest rates you will find.

If you are looking for a way to re-establish credit or borrow money at a low interest rate, this is the way to go. By using your own funds to secure your loan you can take charge of your financial future. Continue to earn dividends on your savings or certificates while paying a low annual percentage rate on the borrowed funds.

  • Initial credit decision by the next business day
  • A choice of loan terms from 12 to 60 months- depending on the amount borrowed and/or term of your certificate
Share Certificate Secured Rates
Account APR* Repayment
Share Secured3.00% over dividend ratevaries
Share Certificate Secured*3.00% over dividend ratevaries

Rates Effective: 04/01/2015


Apply online, by phone at 602-467-4230 or 800-453-9897 or at your nearest branch location.

*APR=Annual Percentage Rate. You will be automatically approved if you would like to pledge your Share Certificate or Share Account as collateral. The interest rate depends on your current Share Certificate rate + 3%.

Contact Us

2355 W. Pinnacle Peak Rd.
Phoenix, AZ 85027