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Secured Loans

Use a deposit account balance as collateral to build your credit

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SAVINGS or Checking SECURED

Certificate Secured

Savings or Checking Secured

Get approved for a loan to build or rebuild your credit

  • Loan terms up to 120 months
  • Uses your savings, checking, or certificate account balance as collateral for the loan
  • Maximum loan amount is based on secured account balance
  • Secured funds equal to the outstanding loan balance must remain on deposit for the duration of the loan
  • Secured funds from deposit account continue to earn monthly dividends
  • Quick & easy approval in-branch or online
  • No pre-payment penalty for paying the loan off early
  • Online & Mobile Banking
  • End-of-Year Member Reward Dividend
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Certificate Secured

Another way to get approved for a loan to build your credit

  • Loan terms up to 60 months
  • Uses your certificate account balance as collateral for the loan
  • Maximum loan amount is based on certificate balance
  • Secured funds equal to the outstanding loan balance must remain on deposit for the duration of the loan
  • Secured funds from the deposit account to continue to earn monthly dividends
  • Quick & easy approval in-branch or online
  • No pre-payment penalty for paying the loan off early
  • Online & Mobile Banking
  • End-of-Year Member Reward Dividend
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"Secured Loans are ideal for people with bad credit, but have enough money in their deposit account to use as collateral to open this credit builder type of loan. In my case, my low credit score made it hard to get approved for a loan, which made it even harder for me to start rebuilding my credit. After saving enough money to secure my loan, I was quickly approved."

American United FCU Member

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Secured Loan Rates

Rates up to date as of July 4, 2024. Rates subject to change without notice.

Secured Loan Types12-month APR24-month APR36-month APR 48-month APR60-month APR120-month APR
Savings Account+3.00%2+3.25%2+3.50%2+3.75%2+4.00%2+4.00%2
Certificate1 Account+3.00%2+3.25%2+3.50%2+3.75%2+4.00%2

APR = Annual Percentage Rate. Membership required, on approved credit, and rates subject to change at any time without notice.
1. Certificate Secured Loans loan term max is 60 months.
2. Above savings rate, based on lowest share rate offered. Rate determined by member’s current dividend rate of secured shares.

Want a Secured VISA® credit card instead?

Another excellent way to build or rebuild your credit

  • Similar to our Share Secured Loans
  • Uses a deposit account balance as collateral for guaranteed approval
  • 9.90% APR Fixed Rate for all credit scores
  • Not eligible to earn VISA® Reward Points or 1% Cash Back
  • Quick & easy approval in-branch or online
Share Secured VISA®