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.

  • Borrow $500 or more
  • 4.25% APR with terms up to 24 months
  • No credit review required
  • Single repayment option available


Apply for Great Rates and Terms

SACU can help you manage an upcoming expense without dipping into your savings. If you have at least $500 in an SACU Share Savings account, a Share Secured Loan lets you lend money to yourself at a great rate. You get a lower rate than with a signature loan, a term of up to 24 months, 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 Secured Loan. If you are not yet an SACU member, we’ll start your membership with your loan application.


Funds, Fast and Easy

A Share 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 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 Secured Loan as well as your other SACU accounts.

Join SACU and become a member today

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.

Share Savings

SACU membership begins with a simple account designed to get you saving. All it takes is a $5 deposit to get started!

Share Secured Rates

Share SecuredUp to 24 months$500APR 3% Over Share Savings Rate
Share Secured Single Paid NoteUp to 12 months$500APR 3% Over Share Savings Rate
The Annual Percentage Rates (APR) are effective as of April 13, 2012 and are subject to change without notice.  The APR on the Share Secured Loan is fixed and tied to SACU’s current, stated Share Savings rate plus 3%.  Please contact SACU Member Service at 210-258-1234 for assistance if you have questions about rates and terms.