Need to build or rebuild your credit?

Secured loans let you place cash into a savings account, which is then held. You receive a loan for the amount of cash you deposit, with fixed payment amounts that you feel comfortable with. As you make regular payments on your loan, your credit is built and you only pay interest on the rate difference between your savings and the loan.


  • No prepayment penalties

  • Fixed interest rates for Share Secured Loans

  • Variable interest rates for CD Secured Loans

  • Credit-Life/Disability Insurance available. This plan makes the member’s loan payments should they become disabled, deceased or unemployed.

Secured Loan Rates

Current as of May 21, 2024

Loan Type Term Rate (APR) & Type

Share Secured

48 Months

6.00%* Fixed

Share Secured

60 Months

6.10%* Fixed

Share Secured

72 Months

6.25%* Fixed

Share Secured

84 Months

7.20%* Fixed

CD Secured

Matches CD Term**

CD Rate + 1.50%



How It Helps You

How It Works

Save Money  Saves Money

Lower rates because the loan is secured with your deposits

Save Time  Saves Time

Quick application and approval process both in-branch and online

Convenience  Convenient

Automatic payment options

What Are The Differences Between The Various Types Of Personal Loans?

The chart below explains the differences between the personal loans that we offer.


Share Secured Loan

CD Secured Loan

Personal Loan

Personal Line of Credit

Fixed Interest Rate

Variable Interest Rate

Lump Sum Amount with a Fixed Term and Payments

Draw Money As You Need It

Pay Interest Only on the Amount You Draw

No collateral required

Even More To Love

Check out these other great products and services from ACU!


Choose from three types of Debit/Checking accounts to fit your lifestyle!


This payment protection plan can pay off your loan in the event of death, or make payments on your behalf in the event of a disability.

Ready To Start Building Or Rebuilding Your Credit?

The application only takes a few minutes!

*Rate = Annual Percentage Rate. All rates and terms are offered O.A.C., your rate may vary based upon your credit history and credit score. All rates listed are fixed APR unless otherwise denoted. All rates listed are based on best-available rates. Please contact a loan officer for more information.
**Loan maturity on cannot exceed the CD maturity

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