This product enables you to have the convenience of using your savings or Share Certificates as collateral. Basically you are borrowing against your own money. The benefit is a much lower rate than a personal loan and it is a great way to build credit. The Share Secured Loan rate is the share rate 0.25% + 3.00% which is 3.25% terms up to 10 years. The Certificate Secured rate is your certificate rate + 3.00%.
Note: The interest rate can change during the term of the loan.