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Shared Secured Loans

Borrow against your own money at a lower interest rate. By borrowing against the funds you have on deposit at MSEFCU, you secure one of the lowest rates available, plus your savings continues to earn dividends. This is also a great way to rebuild your credit history.

You can also borrow against money you have in a Term Savings Account. It is very similar to a share secured loan with these exceptions: You can only borrow against a fixed rate term savings account. The term of the loan cannot go beyond the maturity date of the term savings account. The interest rate is 3% APR above the term savings rate you are earning (will not go lower than share secured rate). Minimum rate on the loan secured by Term Savings, no lower than the share secured rate.

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