Certificate-Secured Loans Click Here to Apply Online This loan is very convenient. It virtually insures that you can keep your certificate savings, yet secure a loan based upon your certificate amount, in much the same way a Share-Secured Loan works. If you have money in your share certificate account (which you've invested for a certain amount of time, and don't expect to be spending anyway), you can borrow against the certificate and pay it back at a low rate! For example, what if you wanted $2000 but have $2500 in certificates? Apply for a certificate-secured loan, borrow what you want, pay it back and voila! You get the money you need when you need it and you haven't harmed your original certificate amount! Lower Interest Rates (3% above Share Dividend Rate). Loan Is Secured By Funds In Share or Certificate Account. Makes loan processing and funding even faster! No Loan Fee - can save you even more money! Two Types Available (depending how you choose to pay the loan back) Offers You More Flexibility: You can make payments on a schedule, or You can make a lump sum payment. Need more information? Spectrum offers online resources for our members to research investing, saving, credit, insurance, budgeting, and similar topics. To help adults ages 18-30 manage their money effectively, we’d like to suggest MoneyMix™: Launch Your Life. And members of all ages will find a wealth of financial and lifestyle information at the Home and Family Finance Resource Center. Please note that Spectrum provides these links for your information only, and has no control over, or responsibiliy for, their content.