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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

Anchor: rates

Today's Loan Rates

Share/Certificate Secured Loans

Rates effective as of 11/1/2026
Loan Type APR*
Share Secured 4.00% above rate paid on Savings
Share Certificate Secured 3.00% above rate paid on Share Certificate

Membership eligibility/approval and $5 savings deposit required to join EECU.

*Annual Percentage Rate (APR).

Share-Secured & Share Certificate-Secured Loan FAQs

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

You can apply by phone or at any EECU branch.

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

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

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