If you want a low rate loan that can help build or establish credit we have just the loan. If you do not want to deplete all of your savings on a bigger purchase, we have just the loan. If you want to help force yourself to save, we have just the loan. Our share secured loan can be the right solution for you. A share secured loan uses the money you have on deposit in a savings or share certificate to be used as collateral. We pledge the money on your deposit and as you make payments the pledge decreases. And you earn a great dividend on the money pledged and pay an incredibly low interest rate on the money borrowed.