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Online Banking

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Share-Secured & Share Certificate-Secured Loans

A Share- or Certificate-Secured Loan differs from other types of loans because it uses the balance in your Savings Account or Share Certificate as collateral for the loan. This type of loan is beneficial if you don’t have much credit history, you’re rebuilding or repairing your credit history, or you simply prefer to use funds on deposit as collateral.

Features & Benefits
To Preserve Your Savings

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Today's Loan Rates

Share-Secured & Share Certificate-Secured Loan FAQs

Find answers to frequently asked questions. Need additional information? Contact us!

How do I apply for the loan?

You can apply by phone or at any EECU branch.

Will I continue to earn interest on my Share Certificate if my loan is secured by the certificate funds?

Yes, you will continue to earn interest on the certificate.

Is a credit check required for this type of loan?

No, we will not pull credit for a Share-Secured or Share Certificate-Secured Loan.

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I had a great experience today with excellent, professional and friendly service … the minute I walked in the door I was greeted and attended to. I’m proud to be a member of EECU!!
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EECU is hands down the best credit union around! Thank you EECU for your hard work and dedicated service you provide your members!! We appreciate you!!
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