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
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.
Secured loan and line of credit rates and terms
Share-Secured Loan
3.15%
APR
Annual Percentage Rate: The cost of the loan, including interest and fees.
Up to 96 months
Repayment period
The length of time allotted to repay the loan.
Certificate-Secured Loan
Earning rate + 3.00%
APR
Annual Percentage Rate: The cost of the loan, including interest and fees.
Up to 96 months
Repayment period
The length of time allotted to repay the loan.
Share-Secured Line of Credit
3.15%
APR
Annual Percentage Rate: The cost of the loan, including interest and fees.
Based on 4% of balance
Repayment period
The length of time allotted to repay the loan.
* Rates and terms listed are current as of May 1, 2025. Rates and terms are subject to change at WSECU's discretion.