Savings Pledge Loans

Earn while you borrow.

Get the best of both worlds.

Not a fan of dipping into your savings to pay for an expense? Need to build your credit? Use the balance in your savings or certificate account as collateral for a one-time advance. Borrow what you need while still earning dividends on your investment.

For loans pledged against a savings account, as the loan balance declines, the secured funds become available.

Features & Benefits

  • Up to 144 months (12 years)
  • As the loan is paid off, secured funds become available to you
  • Funds can be pledged from another person’s account
  • Funds continue to earn dividends


  • 2.75% APR*
    Main Share Savings Pledge Loan
  • 2.75% APR*
    High Yield Money Market Savings Pledge Loan
  • 3.00% APR*
    Premium Money Market Savings Pledge Loan
  • 3.25% APR*
    Ultimate Money Market Savings Pledge Loan
  • Call for current rates APR*
    Certificate Account Pledge Loan
Effective Date: 01-01-2020

*APR = Annual Percentage Rate. The maximum APR, for any type of loan, shall not exceed the limit set by applicable law(s). The loan rate will be the rate in effect when the loan is completed. Rates and terms are subject to change at any time. Please contact the Credit Union for further information.

Why Savings Pledge Loans ?

Borrow and grow.


Less Risk

Use your savings as collateral.


Earn more

 Gain dividends while you borrow.


Flexible Terms

Up to 144 months (12 years)