Share-Secured Loan Rates
Borrow against your own savings or certificate at a low rate and build payment history. Here are 82 share-, savings- and CD-secured loans from 78 lenders, ranked, with the APR, term, who can join and the rate formula each lender publishes.
A share-secured loan (also called a savings-secured, CD-secured or pledge loan) lets you borrow up to the money you already have at a credit union or bank. The lender freezes that amount as collateral, so it takes almost no risk, which is why these are among the cheapest loans you can get, and some lenders approve them without a credit check or regardless of your score. You repay in fixed monthly installments, your savings keeps earning while it is pledged, and the lender releases it as you pay down the loan or when you finish.
For credit building, a share-secured loan works like a credit-builder loan you control: you pick the amount and term, and if the lender reports to the credit bureaus, every on-time payment adds to your history. Most are offered only by credit unions to their members, so where you can join matters as much as the rate.
Share-secured loans ranked
Ranked from our loan database on October 24, 2026. Each row shows the lender’s lowest published APR and the date we last confirmed it. Confirm the rate and terms with the lender before you borrow.
| # | Lender | APR | Term | Amount | Who can get it | Score | Rate as of | Link |
|---|---|---|---|---|---|---|---|---|
| #1 | Navy Federal Credit UnionNavy Federal Savings Secured LoanRate formula on the lender’s page: “share rate plus 2.00%”; “share rate plus 3.00%”; “certificate rate plus 2.00%” | 2.25%–3.25% | Up to 180 months | Up to 100% of Share Savings balance | NationwideMembership requiredNFCU membership required (military, veterans, family) | 91 | Oct 16, 2026 | Lender’s rates → |
| #2 | U.S. Eagle Federal Credit UnionShare Secured LoanRate formula on the lender’s page: “Highest securing share APY +2.00%” | 2.25%as low as | Up to 60 months | — | NationwideMembership requiredMembership required: San Juan County or listed Sandoval County census tracts, 400+ partner organizations… | 87 | Oct 20, 2026 | Lender’s rates → |
| #3 | Global Federal Credit UnionPledge of Shares (Secured) Loan | 2.08%as low as | 6-144 months | — | Regional: 5 statesBranches in Alaska, Arizona, California, Idaho and Washington. | 85 | Oct 21, 2026 | Lender’s rates → |
| #4 | Hughes Federal Credit UnionSavings Pledge Loan | 2.55%as low as | — | — | NationwideMembership open to anyone in the U.S.You're eligible for membership if you: Live, work, worship, or attend school in Tucson; Are employed by one… | 85 | Oct 18, 2026 | Lender’s rates → |
| #5 | BayPort Credit UnionSavings SecuredRate formula on the lender’s page: “share certificate rate + 2.50%” | 2.75%as low as | Up to 24 months | — | NationwideMembership requiredMembership required: live, work, worship or attend school in the areas BayPort serves, have an immediate… | 83 | Oct 15, 2026 | Lender’s rates → |
| #6 | NASA Federal Credit UnionNASA FCU Share Secured LoanRate formula on the lender’s page: “certificate rate + 3.00%” | 3.1%as low as | Up to 60 months | Up to $125,000 or your deposit, whichever is less | NationwideMembership requiredMembership required; open nationwide (e.g., via a partner association) | 83 | Oct 20, 2026 | Lender’s rates → |
| #7 | Redstone Federal Credit UnionShare Secured Loan | 3%as low as | — | — | NationwideMembership open to anyone in the U.S. | 83 | Oct 1, 2026 | Lender’s rates → |
| #8 | Partner Colorado Credit UnionSavings Secured Loan | 3%as low as | Up to 12 months | — | NationwideMembership open to anyone in the U.S.org/about/membership/how-to-join). | 82 | Sep 1, 2026 | Lender’s rates → |
| #9 | State Department Federal Credit UnionSavings Secured Personal LoanRate formula on the lender’s page: “3% above the dividend rate of the certificate” | 3.05%as low as | — | — | NationwideMembership open to anyone in the U.S.Members of the American Consumer Council may be eligible to join SDFCU through their ACC affiliation. | 82 | Oct 1, 2026 | Lender’s rates → |
| #10 | Goldenwest Federal Credit UnionGoldenwest Share Secured LoanRate formula on the lender’s page: “certificate rate + 1.99%” | 1.99%as low as | Up to 36 months | — | Regional: ID, OR, UTMembership requiredID, OR, UT; membership required | 80 | Oct 22, 2026 | Lender’s rates → |
| #11 | Langley Federal Credit UnionLangley Savings Secured LoanRate formula on the lender’s page: “savings dividend rate plus 3.50%” | 3.55%as low as | Up to about 144 months | Up to $1,000,000 (secured by your savings) | NationwideMembership requiredMembership requires a $5 deposit to a Langley savings account | 80 | Oct 21, 2026 | Lender’s rates → |
| #12 | MIDFLORIDA Credit UnionShare Secured Loan | 2.01%as low as | — | — | Regional: FLMembership requiredLends in: Florida (FL). | 79 | Oct 1, 2026 | Lender’s rates → |
| #13 | NorthCountry Federal Credit UnionShare Secured Loan (variable rate) | 2.2%as low as | Up to 144 months | — | Regional: NH, NY, VTMembership requiredLends in: Vermont (VT), New Hampshire (NH), New York (NY). | 79 | Oct 21, 2026 | Lender’s rates → |
| #14 | Connexus Credit UnionShare Secured LoanRate formula on the lender’s page: “4% over the current savings account APY” | 4.02%as low as | Up to 120 months | Up to $100,000 | NationwideMembership requiredanyone in the U.S. can join through the Connexus Association with a one-time $5 donation (connexuscu.org… | 78 | Oct 21, 2026 | Lender’s rates → |
| #15 | Credit Union of Southern CaliforniaSavings Secured Loan | 3.95%as low as | Up to 120 months | — | NationwideMembership requiredCU SoCal membership required. Anyone can become eligible at no cost through the American Consumer Council… | 78 | Oct 20, 2026 | Lender’s rates → |
| #16 | Delta Community Credit UnionDeposit Secured Loan | 2.25%as low as | — | — | Regional: GAMembership requiredMembership required: live or work in one of 20 eligible metro Atlanta counties in Georgia, work for a listed… | 78 | Oct 20, 2026 | Lender’s rates → |
| #17 | Tennessee Members 1st Federal Credit UnionShare/CD Secured Loan | 2.25%as low as | — | — | Regional: TNMembership requiredLends in: Tennessee (TN). | 78 | Oct 21, 2026 | Lender’s rates → |
| #18 | Abilene Teachers Federal Credit UnionSavings Secured Loan | 2.35%as low as | 1-72 months | — | Regional: TXMembership requiredLends in: Texas (TX). | 77 | Oct 16, 2026 | Lender’s rates → |
| #19 | Garden Savings Federal Credit UnionShare Secured Loan | 2.55%as low as | — | — | Regional: NJ, NY, PAMembership requiredLends in: NJ, NY, PA. | 77 | Oct 21, 2026 | Lender’s rates → |
| #20 | EFCU FinancialShare (Savings) Secured Loan | 2.6%as low as | Up to 120 months | — | Regional: LAMembership requiredLouisiana: live, work, worship or attend school in East Baton Rouge, West Baton Rouge, Ascension, East… | 76 | Oct 18, 2026 | Lender’s rates → |
| #21 | Regions BankDeposit Secured LoanRate formula on the lender’s page: “CD rate + 5.50%” | 4%as low as | — | — | Regional: 15 states15-state footprint: AL, AR, FL, GA, IA, IL, IN, KY, LA, MO, MS, NC, SC, TN, TX | 76 | Oct 21, 2026 | Lender’s rates → |
| #22 | Suffolk Credit UnionShare Secured LoanRate formula on the lender’s page: “rate is calculated as the dividend rate plus 3.00%” | 3%as low as | Up to 120 months; variable rate (dividend rate plus 3.00%) | Up to 100% of your Share Savings balance | Regional: NYMembership requiredLends in: New York (NY). | 76 | Oct 20, 2026 | Lender’s rates → |
| #23 | Century Federal Credit UnionCentury FCU Share Secured LoanRate formula on the lender’s page: “1% over certificate rate” | 3.99%as low as | Up to 60 months at 3.99%; 61-144 months at 4.99% | — | NationwideMembership requiredMembership required; anyone can join at no cost by supporting the credit union's Community Impact Fund; also… | 74 | Sep 22, 2026 | Lender’s rates → |
| #24 | Credit Union ONEShare LoanRate formula on the lender’s page: “certificate rate + 2.00%” | 2.8%as low as | Up to 120 months | — | Regional: MI, OHMembership requiredLends in: Michigan (MI), Ohio (OH). | 74 | Sep 17, 2026 | Lender’s rates → |
| #25 | Northwest Federal Credit UnionSavings Secured Loan | 2.8%as low as | Up to 120 months | — | Regional: MD, VAMembership requiredMembership required (employer or community partner, or federal agency); lends in: Virginia, Maryland (branch… | 74 | Oct 1, 2026 | Lender’s rates → |
| #26 | Securityplus Federal Credit UnionShare Secured LoanRate formula on the lender’s page: “3.00% above the Share Dividend Rate” | 4%as low as | 6-96 months | — | NationwideMembership open to anyone in the U.S.Any consumer who may be eligible to join the credit union through the American Consumer Council (ACC) ... By… | 74 | Oct 20, 2026 | Lender’s rates → |
| #27 | Alpine Credit UnionShare-Secured Loan | 3.03%as low as | — | — | Regional: UTMembership requiredLends in: Utah (UT). | 73 | Oct 21, 2026 | Lender’s rates → |
| #28 | California Coast Credit UnionSavings and Money Market Secured Loan | 3%as low as | Up to 84 months | Up to 100% of available savings or money market balance | Regional: CAMembership requiredLends in: California (CA). | 73 | Oct 20, 2026 | Lender’s rates → |
| #29 | East River Federal Credit UnionSavings Secured LoanRate formula on the lender’s page: “certificate rate + 2.00%” | 3%as low as | Up to 60 months | — | Regional: SDMembership requiredLends in: South Dakota (SD). | 73 | Sep 1, 2026 | Lender’s rates → |
| #30 | GenFed Credit UnionSavings Secured LoanRate formula on the lender’s page: “three percentage points above share dividend rate” | 3.05%as low as | Up to 120 months | — | Regional: IL, IN, OHMembership requiredLends in: Ohio (OH), Illinois (IL), Indiana (IN). | 73 | Oct 1, 2026 | Lender’s rates → |
| #31 | Idaho Central Credit UnionShare Secured Loan | 3.295%as low as | — | — | Regional: AZ, ID, OR, WALive or work in Idaho, Washington, eastern Oregon or Arizona | 73 | Oct 21, 2026 | Lender’s rates → |
| #32 | Idaho Central Credit UnionCD Secured Loan | 3.295%as low as | — | — | Regional: AZ, ID, OR, WALive or work in Idaho, Washington, eastern Oregon or Arizona | 73 | Oct 21, 2026 | Lender’s rates → |
| #33 | LGE Community Credit UnionLGE Share Secured LoanRate formula on the lender’s page: “2% over the certificate dividend rate” | 3%as low as | Up to 96 months; 36 mo min $1,000, 60 mo $5,000, 96 mo $50,000 | $500 minimum (24 months) | Regional: GAMembership requiredLGE membership required: live or work in one of 15 eligible metro Atlanta and northwest Georgia counties… | 73 | Oct 20, 2026 | Lender’s rates → |
| #34 | TruStone Financial Credit UnionPersonal Loan - Share SecuredRate formula on the lender’s page: “Certificate rate plus 3.00%” | 3.1%as low as | Up to 72 months | — | Regional: MN, WIMembership requiredMembership required: live, work, worship, volunteer or attend school in an eligible Minnesota or Wisconsin… | 73 | Oct 1, 2026 | Lender’s rates → |
| #35 | Embold Credit UnionShare Secured LoanRate formula on the lender’s page: “current dividend rate being paid on the share accounts offered as security, plus 3.00%”; “dividend rate + 3.00%” | 3.05%as low as | — | — | Regional: ORMembership requiredLends in: Oregon (OR). | 72 | Oct 21, 2026 | Lender’s rates → |
| #36 | La Capitol Federal Credit UnionSecured Loan (Share/Certificate) | 3.1%as low as | Up to 120 months | — | Regional: LAMembership requiredCredit union membership required (field-of-membership groups and areas, or a relative of a member); branches… | 72 | Oct 1, 2026 | Lender’s rates → |
| #37 | STCU (Spokane Teachers Credit Union)Share-Secured Loan | 3.25%as low as | Up to 144 months | — | Regional: ID, OR, WAMembership requiredLends in: Washington (WA), Idaho (ID), Oregon (OR). | 72 | Oct 21, 2026 | Lender’s rates → |
| #38 | Union Savings BankCollateral Loan - Statement Savings | 3.28%as low as | — | — | Regional: CTLends in: Connecticut (CT). | 72 | Oct 21, 2026 | Lender’s rates → |
| #39 | USC Credit UnionSavings-Secured Loan | 3.05%as low as | — | — | Regional: CAMembership requiredLends in: California (CA). | 72 | Oct 21, 2026 | Lender’s rates → |
| #40 | Washington State Employees Credit UnionShare-Secured LoanRate formula on the lender’s page: “rate + 3.00%” | 3.1%as low as | Up to 96 months | — | Regional: WAMembership requiredLends in: Washington (WA). | 72 | Aug 1, 2026 | Lender’s rates → |
| #41 | APG Federal Credit UnionMy Money" Share Secured LoanRate formula on the lender’s page: “3% above Regular Share rate” | 3.2%as low as | — | — | Regional: MDMembership requiredLends in: Maryland (MD). | 71 | Oct 20, 2026 | Lender’s rates → |
| #42 | State Employees' Credit Union of North CarolinaShare-Secured Loan | 3.25%as low as | 24-72 months | — | Regional: NCMembership requiredclosed membership (employer/invitation only): Employees of the state of North Carolina, and: ... Immediate… | 71 | Oct 21, 2026 | Lender’s rates → |
| #43 | United Federal Credit UnionSavings Secured LoanRate formula on the lender’s page: “Certificate Rate + 3.25%” | 4.5%as low as | Up to 60 months | — | NationwideMembership requiredanyone can qualify by joining the National American Consumer Council at no cost (unitedfcu.com free-checking… | 71 | Oct 20, 2026 | Lender’s rates → |
| #44 | MY CREDIT UNIONShare Secured Loan | 3.5%as low as | — | — | Regional: MN | 70 | Oct 1, 2026 | Lender’s rates → |
| #45 | Austin Telco Federal Credit UnionShare Secured LoanRate formula on the lender’s page: “certificate rate + 1.00%” | 3.5%as low as | Up to 60 months | — | Regional: TXMembership requiredLends in: Texas (TX). | 69 | Oct 1, 2026 | Lender’s rates → |
| #46 | Broadview Federal Credit UnionCertificate Secured Loan | 3.65%as low as | 3-60 months | — | Regional: NY | 69 | Oct 21, 2026 | Lender’s rates → |
| #47 | Greenville Federal Credit UnionShare Secured Loan (Credit Builder) | 3.5%as low as | — | — | Regional: SCMembership requiredLends in: South Carolina (SC). | 69 | Oct 1, 2026 | Lender’s rates → |
| #48 | POPA Federal Credit UnionPOPA FCU Share Secured Loan | 3.5%as low as | Up to 60 months | — | Regional: CAMembership requiredCA; membership required | 69 | Oct 21, 2026 | Lender’s rates → |
| #49 | American Heritage Credit UnionShare Secured Loan | 5%as low as | Up to 120 months | — | NationwideMembership open to anyone in the U.S.You can join by becoming a member of the Kids-N-Hope Foundation by making a one-time minimum donation of $5… | 67 | Oct 21, 2026 | Lender’s rates → |
| #50 | Merced School Employees Federal Credit UnionShare Secured LoanRate formula on the lender’s page: “term rate + 3%”; “3.00% above term rate” | 3.75%as low as | Up to 36 months | — | Regional: CAMembership requiredclosed membership (employer/invitation only): MSEFCU Membership is Open to... Merced and Mariposa County… | 67 | Oct 1, 2026 | Lender’s rates → |
| #51 | San Diego County Credit UnionShare Secured Loan | 5%as low as | Up to 60 months | — | NationwideMembership requiredMembership required; anyone can join through the Financial Fitness Association, or by living or working in… | 67 | Oct 21, 2026 | Lender’s rates → |
| #52 | CEFCUPersonal Loan (Secured with Savings) | 4.5%as low as | Up to 48 months; 4.50% for 1-36 mo, 4.75% for 37-48 mo | — | Regional: CA, ILMembership requiredLends in: Illinois (IL), California (CA). | 65 | Oct 20, 2026 | Lender’s rates → |
| #53 | Interfaith Federal Credit UnionShare Secured Loan | 5%as low as | 24-120 months | — | Regional: 27 statesMembership requiredAK, AZ, CA, CO, CT, HI, IA, ID, IL, KY, MA, ME, MN, MO, MT, ND, NH, NV, OR, RI, SD, TN, UT, VA, VT, WA, WY… | 65 | Sep 18, 2026 | Lender’s rates → |
| #54 | Members First Credit UnionShare Pledge Loan | 4%as low as | Up to 60 months | — | Regional: MIMembership requiredLends in: Michigan (MI). | 65 | Oct 21, 2026 | Lender’s rates → |
| #55 | WECUSavings Secured LoanRate formula on the lender’s page: “2.00% over savings rate” | 4%as low as | Up to 120 months | — | Regional: WAMembership requiredCredit union membership required: you and your family can join if you live, work, worship or attend school in… | 65 | Oct 21, 2026 | Lender’s rates → |
| #56 | St. Cloud Financial Credit UnionDeposit Secured LoanRate formula on the lender’s page: “2% above the deposit account rate” | 5.66%as low as | — | — | NationwideMembership requiredMembership required: anyone who lives, works, worships or attends school in Stearns, Benton, Sherburne… | 64 | Oct 20, 2026 | Lender’s rates → |
| #57 | AmeriCo Federal Credit UnionShare Secured Loans | 4.49%as low as | 36-84 months | — | Regional: PAMembership requiredemployees of sponsor (select employee) groups and their immediate family; single office area in Erie… | 62 | Oct 21, 2026 | Lender’s rates → |
| #58 | BCU (Baxter Credit Union)Share Secured Loan | 6.34%as low as | — | — | NationwideMembership requiredMembership required. Anyone can join by subscribing to Life. Money. You., the free financial well-being… | 61 | Oct 21, 2026 | Lender’s rates → |
| #59 | Sunmark Credit UnionSecured Personal Loan (Shares) | 4.74%as low as | Up to 120 months | Up to $50,000 | Regional: NYMembership requiredLends in: New York (NY). | 61 | Oct 15, 2026 | Lender’s rates → |
| #60 | Credit Union of OhioShare Secured Loan | 5.02%as low as | Up to 60 months | — | Regional: OHMembership requiredLends in: Ohio (OH). | 60 | Oct 1, 2026 | Lender’s rates → |
| #61 | Universal 1 Credit UnionShare Secured Loan | 5%as low as | Up to 60 months | — | Regional: OHMembership requiredLends in: Ohio (OH). | 59 | Oct 21, 2026 | Lender’s rates → |
| #62 | Credit Union of GeorgiaDeposit Secured Loan | 4.99%as low as | 1-84 months | — | Regional: GAMembership requiredLends in: Georgia (GA). | 58 | Oct 15, 2026 | Lender’s rates → |
| #63 | People Driven Credit UnionShare Covered Loan | 5.25%as low as | Up to 84 months | — | Regional: MIMembership requiredLends in: Michigan (MI). | 57 | Oct 21, 2026 | Lender’s rates → |
| #64 | Communitywide Federal Credit UnionCW Share Secured Loan | 5.24%as low as | Up to 84 months | — | Regional: INMembership requiredIndiana; credit union membership required (select employers, family of members, or $5 donor membership in a… | 56 | Oct 1, 2026 | Lender’s rates → |
| #65 | Dow Credit UnionSavings (Share) Secured Loan | 6.5%as low as | Up to 36 months | — | NationwideMembership open to anyone in the U.S.Residents of its home state can join directly; no matter where you live, you can become a member by making a… | 56 | Oct 13, 2026 | Lender’s rates → |
| #66 | Star One Credit UnionSavings-Secured Loan | 5.45%as low as | Up to 84 months | — | Regional: CAMembership requiredMembership required: live, work or attend school in one of 9 California counties, be an employee or retiree… | 55 | Oct 18, 2026 | Lender’s rates → |
| #67 | Vibe Credit UnionSavings Secured Loan | 5.99%as low as | 1-60 months | — | Regional: MIMembership requiredLends in: Michigan (MI). | 54 | Oct 15, 2026 | Lender’s rates → |
| #68 | DFCU FinancialShare Loan | 6%as low as | Up to 60 months | $2,000-$50,000 | Regional: FL, MIMembership requiredLends in: Michigan (MI), Florida (FL). | 53 | Oct 21, 2026 | Lender’s rates → |
| #69 | Huntington BankDeposit-Secured Personal Loan | 7.25%–25% | — | Up to $500,000 | Regional: 22 states22 states: AL, AR, CO, FL, GA, IL, IN, KY, LA, MI, MN, MS, MO, NC, OH, PA, SC, SD, TN, TX, WV, WI | 52 | Sep 22, 2026 | Lender’s rates → |
| #70 | M&T BankM&T Cash-Secured Loan | 7.24%–9.49% | 12-120 months | $2,000-$100,000 | Regional: 13 statesCT, DE, DC, ME, MD, MA, NH, NJ, NY, PA, VA, VT, WV | 52 | Oct 21, 2026 | Lender’s rates → |
| #71 | STCU (Spokane Teachers Credit Union)Certificate-Secured Loan | 6%as low as | Up to 144 months | — | Regional: ID, OR, WAMembership requiredLends in: Washington (WA), Idaho (ID), Oregon (OR). | 52 | Oct 21, 2026 | Lender’s rates → |
| #72 | Visions Federal Credit UnionShare Secured Loan | 5.99%as low as | Up to 120 months | — | Regional: NJ, NY, PAMembership requiredfamily of members anywhere, otherwise you must live, work, worship or go to school in the Visions service… | 52 | Oct 1, 2026 | Lender’s rates → |
| #73 | SELCO Community Credit UnionSELCO Savings Secured Loan | 6.24%as low as | Variable rate; minimum payment $30 | — | Regional: OR, WAMembership requiredMembership required: live or work in one of the 27 Oregon and 8 Washington counties SELCO serves, or have a… | 50 | Oct 20, 2026 | Lender’s rates → |
| #74 | Freedom Credit Union (Pennsylvania)Share Secured Loan | 7%as low as | — | — | Regional: PAMembership requiredLends in: Pennsylvania (PA). | 49 | Oct 21, 2026 | Lender’s rates → |
| #75 | USC Credit UnionCertificate-Secured Loan | 6.5%as low as | — | — | Regional: CAMembership requiredLends in: California (CA). | 47 | Oct 21, 2026 | Lender’s rates → |
| #76 | Meritrust Credit UnionMeritrust Certificate and Share Secured Loan (Colorado) | 6.75%as low as | Up to 60 months | — | Regional: COMembership requiredMembership required; Colorado (CO) members (Colorado rate sheet). | 46 | Oct 2, 2026 | Lender’s rates → |
| #77 | Sunmark Credit UnionSecured Personal Loan (Certificate) | 6.99%as low as | Up to 60 months | Up to $50,000 | Regional: NYMembership requiredLends in: New York (NY). | 45 | Oct 15, 2026 | Lender’s rates → |
| #78 | Credit Union of TexasSavings Secured LoanRate formula on the lender’s page: “3.00% above the CD earnings rate” | 7.25%as low as | — | — | Regional: TXMembership requiredLends in: Texas (TX). | 44 | Oct 18, 2026 | Lender’s rates → |
| #79 | Georgia's Own Credit UnionSavings Secured LoanRate formula on the lender’s page: “5% above certificate rate” | 7%as low as | Up to 84 months; 7.00% for 36-48 months, 7.25% for 60, 7.50% for 84 | — | Regional: GAMembership requiredGeorgia; membership required: live or work in one of 77 listed Georgia counties, work for or retire from one… | 44 | Oct 1, 2026 | Lender’s rates → |
| #80 | Abound Credit UnionShare Secured Personal Loan | 7.5%as low as | Up to 144 months | — | Regional: KYMembership requiredLends in: KY. | 40 | Oct 18, 2026 | Lender’s rates → |
| #81 | Valley Strong Credit UnionValley Strong Share Secured Loan | 8.5%as low as | Up to 144 months | — | Regional: CAMembership requiredCA; membership required | 33 | Oct 1, 2024 | Lender’s rates → |
| #82 | SAFE Credit Union (California)SAFE CU Share Secured Loan | 8.6%as low as | Up to 60 months | — | Regional: CAMembership requiredMembership required: live or work in one of 13 Sacramento-region counties in California, or be a family… | 32 | Oct 18, 2026 | Lender’s rates → |
How this list is ranked. Every live secured personal loan in our database that is backed by a savings (share) account, certificate/CD or other deposit at the lender, sorted by its loan score (0–100) for rate, cost and access, the same score and order YourBestLoanRates uses for secured loans. Loans with equal scores keep a fixed order; they are not re-sorted by rate. Car-title and other non-deposit secured loans, and products we have hidden from rankings because the rate or eligibility couldn’t be confirmed, are left out. “Regional” means the lender only serves the states or areas shown; “Area not stated” means the lender doesn’t say. A dash means the lender doesn’t publish it. Partner links never change the order. Full methodology →
How the rate is set
Many credit unions don’t pick a rate out of the air: they charge the rate your pledged savings or certificate earns plus a fixed margin. 27 of the 82 loans above state such a formula on the lender’s rate page (shown under the lender’s name), with margins from 1 percentage point to 5.5 percentage points. Some of those formulas apply to the certificate-secured version, while the savings-secured loan has a flat rate; the table shows both the formula and the quoted APR.
Rate = your deposit rate + the margin. Example: if your share savings earns 0.25% and the margin is 2 points, the loan costs 2.25% APR. Because the pledged money keeps earning its 0.25% while it is frozen, your net cost is roughly the margin itself, about 2% a year on the balance you owe.
The rest quote a fixed APR, sometimes tiered by loan amount or term. Either way the rate is usually the same for everyone, because your deposit, not your credit score, secures the loan.
Share-secured loan vs. credit-builder loan vs. secured card
| Share-secured loan | Credit-builder loan | Secured credit card | |
|---|---|---|---|
| Money you need upfront | Savings you already have, as collateral | None (the loan funds a locked savings account) | Refundable deposit, often $200–$300 |
| Cash in hand | Yes, the loan amount | No, released at the end | A credit line to spend |
| Account type on your report | Installment | Installment | Revolving (also affects utilization) |
| Typical cost | Low APR; your savings keeps earning | Interest and sometimes a monthly fee | $0 if you pay in full; some charge an annual fee |
| Best for | You have savings and want history or cheap cash | You have no savings to pledge | Starting a revolving account |
Both loans add an installment account; a card adds a revolving one, and credit scores reward having both kinds over time. A common path is a secured card first, then a share-secured or credit-builder loan once the card is a few months old. Run the numbers on a builder loan with the credit-builder loan calculator, compare secured credit cards, or see the full 5-phase credit-building plan.
Before you borrow
- Ask about credit reporting. The loan builds credit only if the lender reports it to Experian, Equifax and TransUnion. Not every lender says, so ask.
- Check how the money is released. Some lenders free up the pledged savings as you repay; others hold all of it until the loan is paid off.
- Watch for fees. A few charge a documentation or origination fee. Ask whether it is already included in the quoted APR.
- Count the membership step. Joining a credit union usually means a small savings deposit and sometimes a one-time donation to a partner group.
Questions
What is the lowest share-secured loan rate right now?
Goldenwest Federal Credit Union lists the lowest rate in our table, 1.99% APR (as low as). Across the 82 secured loans here that publish a rate, the median starting APR is 3.6% and the highest is 8.6%. Rates are each lender's lowest published rate; check the lender's page for your term and amount.
How is a share-secured loan rate set?
Often as your deposit's own rate plus a fixed margin. 27 of the 82 loans here state a formula on the lender's rate page, with margins from 1 percentage point to 5.5 percentage points above the share, savings or certificate rate. For some lenders the formula applies to the certificate-secured version, while the savings-secured loan has a flat rate. The rest quote a fixed APR.
Can anyone get a share-secured loan?
You need money on deposit at the lender, and at a credit union you need to be a member. 19 of the 82 loans here are available nationwide, and 7 of those come from credit unions whose membership is open to anyone in the U.S. (usually through a small donation or association membership). The other 63 are regional: the lender only serves certain states or counties, which the table labels.
Does a share-secured loan build credit?
It can. It is an installment loan, so on-time payments add positive payment history and an installment account to your credit file, as long as the lender reports it to the credit bureaus. Ask the lender whether it reports to Experian, Equifax and TransUnion before you borrow. A late payment is reported too.
What is the difference between a share-secured and a CD-secured loan?
A share-secured loan is backed by money in a savings (share) account; a CD- or certificate-secured loan is backed by a certificate of deposit. 8 of the loans here are certificate or CD-secured. With a certificate loan, lenders commonly limit the term to the certificate's maturity, and your certificate keeps earning its rate while it is pledged.
How long can a share-secured loan last?
Terms vary by lender. The longest stated term in our table is 180 months (Navy Federal Credit Union). Many lenders do not publish a maximum, and some limit a certificate-secured loan to the certificate's maturity.
Methodology
Rows come from our loan database (the same rows YourBestLoanRates shows): secured personal loans with status live, not hidden from rankings, and backed by a deposit at the lender according to the product name (share, savings, certificate, CD, deposit, cash-secured or pledge). They are ordered by the loan score, best first, with ties in a fixed order by product ID. The APR is the lender’s lowest published rate; rates were last confirmed on dates from October 1, 2024 to October 22, 2026, shown on each row. A “rate formula” is shown only where the lender’s rate page states one (for example “share rate plus 2.00%”). We don’t take payment for placement, and no lender can pay to rank higher. By the YourBest Editorial Team; see our methodology and editorial policy.