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Secured Loans & Lines of Credit

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Low-rate loans to help you build credit fast

WSECU offers Share- and Certificate-Secured Loans and Share-Secured Lines of Credit — loans that are guaranteed with funds in your WSECU savings account or share certificate. With a secured loan or line of credit, you’ll:

  • Receive a rate that’s lower than personal loans.
  • Build or improve credit.
  • Continue to earn dividends on your held funds.

To apply, schedule an appointment or visit your nearest branch and we’ll get you started.

Schedule appointment

Secured loan and line of credit rates and terms

Secured loan and line of credit rates and terms
Certificate-Secured Loan
Variable Rate*
Compensating certificate balance required
Share-Secured Line of Credit
Variable Rate*
Compensating share balance equal to limit

* Rates and terms listed are current as of August 1, 2023. Rates and terms are subject to change at WSECU's discretion.


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