Certificate Secured Loans
Borrow against your certificate without cashing it out. Enjoy lower rates and keep your investment growing at F&A.
Apply Now
Access your funds while your investment continues to earn.
With exceptional interest rates and funding up to 90% of your Certificate’s principal, F&A’s Certificate Secured Loan lets you use your certificate as collateral to access funds while your investment continues to earn (and you avoid early withdrawal penalties). Access the funds you need without sacrificing your long-term investment strategy.
At a glance
- Low, exceptional rates
- Term equals date of Certificate maturity
- Funding up to 90% of the Certificate amount
Apply now via Digital Banking, by calling our Member Contact Center, or in person at one of our branch locations.
Loan details
- No origination fee
- No credit check or proof of income required
Certificate Secured Loans
Borrow up to 90% of the principal against your F&A-held Certificate.
Maximum loan
90% of CD Balance
Collateral requirement
Certificate
APR{{all_personal_apr}}
Certificate Rate + 2.00%
Due
At Certificate maturity
Collateral types accepted
N/A
LTV
90% of Certificate balance
Origination fee
$0.00
Application fee
$0.00
Calculate Your Payment
FAQs
Do F&A Certificate Secured Loans build credit?
Yes, an F&A Certificate Secured Loan will help you build credit in a manageable way, while also allowing you to continue earning interest on your certificate savings.
What is the difference between a Certificate Secured Loan vs. a Secured Loan?
The difference between an F&A Certificate Secured Loan vs. an F&A Secured Loan is which account secures the loan. Both allow you to borrow up to 90% of your savings to fund a loan.
Explore More
Secured Visa
Build credit with a manageable balance limit backed by your F&A Ownership/Savings Account.
APR{{cc_apr}} for purchases
9.90%
APR for balance transfers
9.90%
APR for cash advances
9.90%
Annual fee
$0.00
Credit line
$500.00 to $10,000.00
Auto Loans
Finance a new or used car or truck up to 125% loan to value with a low-interest F&A auto loan.
APR{{auto_apr}} as low as
4.60%
Maximum term
84 mo.
Maximum loan
$150,000.00
Maximum vehicle age{{auto_max_age}}
12 years
Financial Coaching
Get free, personalized guidance on budgeting, saving, and debt management strategies with F&A’s certified Financial Coaches. In personalized sessions, they’ll help you build better money habits to achieve your financial goals.