APR = Annual percentage rate. The APR is based on the current savings rate and the disclosed margin.

All rates are subject to change without prior notice.

Secured Loans

Savings Secured Loan


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Secured Loans

  • Summary
  • Benefits
  • Resources

Qualified members may borrow up to 150% of their available and unpledged savings or share certificate account balance. When you apply for a secured loan, the funds in your account are used as collateral. You regain access to the pledged funds as you repay the loan. However, you continue to earn dividends on your funds.

You can build good credit with a secured loan.

Guides to Consumer Loans:
A UNFCU Secured Loan offers the following benefits:
  • Flexible payment options so you may pay off your loan balance at any time. For your convenience, you can also choose to make automated loan payments from your accounts.
  • Peace of mind with FREE Credit Life Protection up to USD 55,000 per member.
  • Easy rollover options. Terms on loans secured by a share certificate may extend beyond the term of the share certificate as long as the share certificate is rolled over.
  • Compare Loans
    Use this calculator to sort through the monthly payments and other costs associated with getting a new loan.
  • Debt Consolidation
    This calculator is designed to help determine whether debt consolidation is right for you.
  • Loan Amortization
    Enter your desired payment - and let us calculate your loan amount.
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