Secured Loans and Lines of Credit
- Get one of our lowest rate loans
- Build or improve credit
- Earn dividends on your held funds
Secured Loans and Lines of Credit
- Get one of our lowest rate loans
- Build or improve credit
- Earn dividends on your held funds
Secured loan and line of credit rates and terms
Secured Loans and Lines of Credit
Secured loan and line of credit rates and terms
Share-Secured Loan
Variable Rate*
3.15%
Annual Percentage Rate (APR)
The cost of the loan, including interest and fees.
Up to 96 months
Payment period
The length of time allotted to repay the loan.
Compensating share balance required
Certificate-Secured Loan
Variable Rate*
Earning rate + 3.00%
Annual Percentage Rate (APR)
The cost of the loan, including interest and fees.
Up to 96 months
Payment period
The length of time allotted to repay the loan.
Compensating certificate balance required
Share-Secured Line of Credit
Variable Rate*
3.15%
Annual Percentage Rate (APR)
The cost of the loan, including interest and fees.
Based on 4% of balance
Payment period
The length of time allotted to repay the loan.
Compensating share balance equal to limit
* Rates and terms listed are current as of May 1, 2025. Rates and terms are subject to change at WSECU's discretion.