Share-Secured Loans
Unlock the Value of Your Savings with Confidence
Turn your savings into an opportunity with our Share-Secured Loans. By using the funds in your Guadalupe Credit Union share savings, certificate of deposit, or money market account as collateral, you can enjoy lower rates and start building or rebuilding your credit without draining your savings.
Why Consider a Share-Secured Loan?
- Lower Interest Rates: Because your loan is secured with your own savings, enjoy some of the lowest rates available.
- Credit Building: Regular on-time payments help you build or improve your credit history, setting you up for future financial success.
- Access to Funds: Continue to earn interest on your savings while they secure your loan. As you pay down the loan, the pledged funds become progressively available for withdrawal.
- Flexible Rate Options: Choose from fixed or variable rate options to best suit your financial plan.
Additional Products:
- Share Secured VISA® Credit Cards: Extend the convenience of your share-secured financing to your everyday purchases with a low-rate, credit-building VISA® card.
Start Leveraging Your Savings Today
Don’t let your savings sit idle. Use them to your advantage with a Share-Secured Loan that protects your financial stability while fostering your credit growth. Apply Now Online or visit us at any GCU branch to speak with a loan officer about how you can begin.
Need More Information? Fill out our contact form below and a GCU loan officer will get back to you promptly to discuss your options and help you make the best decision for your needs.
* Subject to eligibility and credit approval. Lending restrictions apply, see a loan officer for details. GCU is an equal opportunity lender.
