Share Secured

Family meeting real-estate agent for house investmentA share-secured loan is one that has a cash reserve as collateral. For example, a member may be qualified for a share-secured loan if he or she already has an existing savings (share) account with the Credit Union.

It is important to remember that the cash reserve must match 100% of the loan’s principal.  Upon payoff, the total amount of the cash reserve becomes available back to the member. 

A share-secured loan is a great way to build/rebuild credit.

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For Share Secured Loan Application


Term APR*
48 months 4.5%

Share Secured Loan Payment Example:

A 48 month share secured loan with a 4.50% fixed APR would have monthly payments of $22.81 per $1,000 borrowed.

Rates are based on an evaluation of credit history, so your rate may differ.

*Annual Percentage Rate. Loan terms and conditions depend on credit qualifications and approval. Credit Union membership is required for loan approval. All rates are subject to change without notice. Call the Credit Union for current rates 570-836-3227 or 1-800-750-9030.



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