Share Certificate Secured Loan

When you have $1,000 in an SACU Share Certificate, put your funds to work by loaning money to yourself at a great rate.

  • Borrow $500 or more
  • Terms up to share certificate maturity
  • No credit review required
  • Single repayment option available

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Apply for Great Rates and Terms

If you have at least $1,000 in an SACU Share Certificate account, SACU can help you manage upcoming expenses without dipping into your savings. A Share Certificate Loan lets you lend money to yourself at a great rate for a term not to exceed the maturity or renewal date of the certificate. You get a lower rate than with a signature loan, and flexible repayment options — including a single payment option. Meanwhile, your savings continue to earn interest and dividends.

READY TO APPLY? Complete our easy online loan application and choose Share Certificate Secured Loan. If you are not yet an SACU member, we’ll start your membership with your loan application.

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Funds, Fast and Easy

A Share Certificate Secured Loan saves you time with fast approvals and no credit check required. SACU makes it convenient and economical for you to lend money to yourself, maximize your earnings, and maintain your savings power.


Easy Online Access

When you have a Share Certificate Secured Loan with SACU, you get up-to-the minute information online, anytime — including current balances, transaction history, payment due dates, and more — when you sign up for online banking. You can even set up automatic loan payments from your SACU checking or savings account for the ultimate in convenience.

Learn More: Find out more about online banking and how you can sign up to manage your SACU Share Certificate Secured Loan as well as your other SACU accounts.

Join SACU and become a member today

Share Secured Loan

With as little as $500 in an SACU savings account, we can help you free up the funds you need with a Share Secured Loan.

Share Certificate

Ready to work towards a savings goal? Consider a savings certificate with flexible terms you choose.

Share Certificate Secured Rates

ProductTermMinimumNotes
Share CertificateUp to the Term of the Share Certificate$500APR 3% Over Share Certificate Rate
Share Certificate Single Paid NoteMax 12 months$500APR 3% Over Share Certificate Rate
Annual Percentage Rates (APR) are effective as of April 13, 2013 and are subject to change without notice.  The APR on the Share Certificate Secured Loan is fixed and tied to SACU’s current, stated Share Certificate rate plus 3%.  Please contact SACU Member Service at 210-258-1234 for assistance if you have questions about rates and terms.