Share Certificate Secured loan

A Share Certificate Secured loan allows you to borrow against your CD while it continues to earn interest. You can handle expenses or opportunities without interrupting your savings strategy or losing progress toward your goals.
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Quick Facts

What sets our Share Certificate Secured loan apart

With our Share Certificate Secured loan, Credit Human can help you handle life’s expenses using your Credit Human Share Certificate account as collateral.

  • Continue earning interest throughout the life of your loan
  • Low, fixed rate based on your certificate rate
  • Loan terms aligned with your certificate maturity
  • Flexible repayment options, including single payment structures
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Open a Share Certificate Secured loan today

Apply to access funds without interrupting your certificate growth. It’s a practical way to stay on track while meeting your financial needs.

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Secured loans and your financial health

How borrowing against your savings can support your financial health

A Share Certificate Secured loan gives you flexibility without sacrificing long-term goals. By borrowing against your certificate instead of withdrawing it, you can continue earning interest while managing expenses. This approach helps protect your savings strategy and reduces the need for higher-cost borrowing.

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Keep your long-term savings on track

If you need access to funds, you don’t have to pause your progress. Apply today to use your certificate as a tool that supports both your immediate needs and future goals.

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Share Certificate Secured loan rates

Rates effective as of 09-20-2023

Product Term Minimum loan Rate (APR)
Share Certificate Single Paid Note Max 12 months $500 APR 3% Over Share Dividend Rate
Share Certificate Up to the Term of the Share Certificate $500 APR 3% Over Share Dividend Rate

Disclosures

If you have at least $1,000 in a Credit Human Share Certificate account, you can lend money to yourself at an APR 3% Over Share Certificate Rate, not to exceed the maturity or renewal date of the certificate.