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Savings-Secured Loans

A Savings-Secured Loan is an adjustable-rate loan secured by the member's savings.

A Savings-Secured Loan is an adjustable-rate loan secured by the member's savings.

The maximum loan amount is up to 100% of the member's savings, less $50. The maximum term is 7 years, or a one-year lump-sum payment.

The minimum loan amount is $1,000.

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Savings-Secured Loans interest rate

Annual Percentage Rate



Monthly payment: $13.22 per $1,000, Variable rate, 7 years maximum term, minimum loan amount of $1,000

Protect your loan with Credit Life and Disability Insurance—available for vehicle loans, personal loans and lines, and share-secured loans.

Even if you have life insurance, other unfortunate circumstances could impact your monthly income. Having the peace of mind that your loan payment will be made, should you become disabled due to injury or illness, is worth the minimal cost added to your loan payment.

View our Credit Life and Disability PDF brochure.

Maximum Coverage Limits

Level Rate Disability Life
Coverage Amount Unlimited $50,000 per loan
Termination Age 70 70
Coverage Duration 120 months 120 months
Monthly Benefit Amount $750.00 per loan Not applicable

Who is Eligible and How Much Does it Cost?

Level Rate Disability Life
Eligibility Age Under age 70 Under age 70
Working Requirements Actively at work a minimum of 30 hours per week on the loan advance date Not applicable
Single Rate $2.00 per $1,000 per month $0.69 per $1,000 per month
Joint Rate Not applicable $1.16 per $1,000 per month