Put your money to work!
Secure your loan with a deposit account and enjoy a low interest rate.
Secure your loan with funds already on deposit in a BCU savings account or CD. It's the smart way to borrow without depleting your funds, and you'll enjoy a lower rate. With a Deposit Secured loan or line of credit, you can secure your loan with funds already on deposit in a BCU savings account or CD. It's the smart way to borrow without depleting your funds, and you'll enjoy a lower rate.
- Low, fixed APR and fixed monthly payment for Deposit Secured loans—with first payment deferred for 60 days.
- Low, variable APR for Deposit Secured Lines of Credit. Advance funds when you need them, and only pay interest on what you borrow.
- An additional 0.50% APR reduction1 on stock and share secured loans—with Rewards Rates (does not apply to secured lines of credit, or CD secured loans)
- Maximum borrowing power—borrow up to 100% of the balance of the share account or CD2
- Continued dividend earnings during the loan term
- No pre-payment penalty or loan fees
- A quick approval process with access to funds in as little as the next business day.