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Certificate Secured

A certificate secured loan is a personal loan that allows you to borrow against your certificate of deposit. In this case, your certificate is used as collateral, enabling you to borrow a certain amount of money. With this type of loan, you will be able to borrow money for a variety of projects without risking the money in your savings account. Plus, depending on your type of savings account, you will continue to earn interest on that money. This is an excellent way for a young borrower or post-bankruptcy borrower to establish or re-establish positive credit. 


  • Term: One-Pay Note is 12 Months or CD Maturity (whichever comes first)
  • Term: Monthly Payments is 60 Months or CD Maturity (whichever comes first)
  • 2.00% APR*
  • LTV is 100% of Pledged Certificate

APR=Annual Percentage Rate

The loan rate is fixed and is 2.00% above the rate being paid on the pledged certificate. If multiple certificates are being pledged for the same loan, the loan rate shall be 2.00% above the weighted average yield of the certificates.