800-688-7228 Routing #314088284
Support Center Location & ATMs Login
Become a member
Support Center Location & ATMs Login
800-688-7228 Routing #314088284
Become a member

Share Secured loan

A Share Secured loan lets you access funds while keeping your savings in place. Instead of withdrawing what you’ve built, you can borrow against it at a low rate and continue earning dividends. Meet your needs while staying on track financially.

Apply as a new member
Log in to apply
View current rates
Quick Facts

What sets our Share Secured loan apart

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

  • Continue earning dividends on your balance while you repay
  • Fixed, lower-cost borrowing compared to unsecured options
  • Flexible repayment terms, including single-payment options
  • No need to disrupt your savings to cover expenses
  • A helpful way to build or strengthen your credit history
Compare our personal loans
couple-circle
Get started

Open a Share Secured loan today

Start your application to borrow against your savings while keeping your financial foundation intact. Access funds without losing momentum.

Apply as a new member
Log in to apply
Secured loans and your financial goals

How borrowing against your savings can support your financial health

Using your savings as collateral allows you to meet short-term needs without undoing long-term progress. Instead of withdrawing funds and starting over, you can keep your balance growing while accessing funds to handle what life throws at you. This approach helps maintain stability, build credit and create more flexibility in how you manage your money.

Account Opening

Keep your savings working for you

With a Share Secured loan, you don’t have to choose between using your savings and protecting it. Apply today to access funds while continuing to build toward your goals.

Apply as a new member
Log in to apply
FAQ

Share Secured loans frequently asked questions

Take a look at the most common questions we get about our Share Secured loans. If you have more general questions, or you’re looking for support options, check out our support center.

See more FAQs in our support center
If I'm a member, can I apply for loans in digital banking?

Apply through digital banking

Take advantage of our streamlined application by logging into your digital banking account. Once in digital banking navigate to the Product and Offers menu to get started.

How do I make a payment on my loan?

Loan payments can be made in the following ways:

  • Online through digital banking
  • Recurring payments
  • By mail
  • Over the phone ($10 may apply)
  • In person at a Credit Human location or ITM

Expedited payments can be made

See more FAQs for details specific to your loan type.

Share Secured loan rates

Rates effective as of 04-05-2024

Product Term Minimum loan Rate (APR)
Share Secured Single Paid Note Up to 12 months $500 APR 3% Over Share Dividend Rate
Share Secured Up to 24 months $500 APR 3% Over Share Dividend Rate

Disclosures

If you have at least $500 in a Credit Human Share Savings account, you can lend money to yourself at an APR 3% Over Share Dividend Rate with a term of up to 24 months.