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Secured Loans

Borrow up to 100% of your Primary or Certificate share balances with a Secured Loan and enjoy some of SEFCU's lowest loan rates. That's borrowing power!

Enjoy our Lowest Loan Rates with a Secured Loan

Want to save money on your next loan? With a SEFCU Primary* or Certificate Share-Secured** Loan, you can enjoy low loan rates while using your Primary Share or Certificate share account as collateral to borrow up to 100% of the share balance.

Best of all, your money on deposit continues to earn dividends, even when used as collateral for your loan!

Apply for a Secured Loan Today.

Annual Percentage Rate is variable and is based on the share dividend rate (index), set by the credit union, plus a margin at the time of loan origination and is subject to change quarterly on the first day of January, April, July, and October. Payment example: a share dividend rate of 0.10% plus a margin of 1.50% will equal an initial rate of 1.60%. For a $20,000 loan with a 60-month term, the initial payment would be $347.30 per month. Rates are subject to change without notice. Minimum $35 monthly payment.

Annual Percentage Rate (APR) is fixed and is based upon the share certificate rate (index) plus a margin at the time of loan origination. This APR is fixed for the duration of the loan. Payment example: a share certificate rate of 1.00% plus a margin of 1.50% will equal a rate of 2.50%. For a $20,000 loan with a 60-month term, the initial payment would be $355.32 per month. Rates are subject to change without notice. Minimum $35 monthly payment.