Savings Secured Loans. Build or repair your credit!

Build or repair your credit with little risk.
Requires collateral ($ in your ACU accounts).
Low-interest fixed rates.

Confidence

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*Rate/Yield is subject to change daily. Questions? Call 1-800-543-2811.

Savings Secured Loan Rates

Collateral Account	Term	Annual Percentage Rate (APR)
TEXT Share Savings Account	TEXT Up to 60 months	TEXT 4.00%
TEXT Certificate of Deposit	TEXT CD Maturity	TEXT 2.50% over Certificate of Deposit rate
Effective July 25, 2022

Collateral Account

Share Savings Account

Term

Up to 60 months

Annual Percentage Rate (APR)

4.00%

Collateral Account

Certificate of Deposit

Term

CD Maturity

Annual Percentage Rate (APR)

2.50% over Certificate of Deposit rate

Effective July 25, 2022

What is a Secured Loan?

Savings Secured Loans are the perfect loan option to increase your credit no matter where you're starting from.

Perfect for teens trying to build credit for the first time, (with a little help from their parents) and great for rebuilding credit.

Secured loans require collateral. When you purchase a vehicle with an Auto Loan, the vehicle is the collateral for the loan. A Savings Secured Loan means your collateral is money you have in savings. You can use funds in your Savings Account or Certificate of Deposit to secure the loan.

Savings Secured Loans offer a lower fixed rate than a Personal Loan because they have collateral. This makes them a better choice for building or repairing credit. Your monthly payment won't change and you'll be paying a lower interest rate while your credit improves.

Loan Benefits

Low, fixed rate.
No application fee.
No prepayment fee.

Used For

Building credit.
Repairing credit.
Instead of a Personal Loan.

a cashed back loan with america's credit union is your solution man on his cell phone researching savings secured loans

man on his cell phone researching savings secured loans

Budgeting Your Savings

Free eBook Offer!

It’s essential that you have good budgeting habits to increase your savings. Whether you’re budgeting and saving for a one-time event like a wedding, saving for a major life change like having a baby, or getting better at managing daily spending and saving in general, this eBook will help!

Full of budget templates and tips about creating a budget and tricks for sticking to it, this guide is essential for your future saving goals. With some organization and a good plan, you’ll be adding deposits to your Savings Account regularly.

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Claim Your FREE Copy Today!

The Easiest Way to Add to Your Savings Account

If you’re not familiar with the 52 Week Savings Challenge it’s a relatively easy way to add to your Savings Account over the course of a year.

On the first week put $1 in your Savings Account and leave it there for the whole year. On the second week put $2 in your Savings Account. Continue this pattern so on the 52nd week you’re depositing $52 into your Savings Account. At the end of the year, you will have saved $1,378 plus interest! For other variations of this savings plan check out our blog post Three Ways to Make the 52 Week Savings Challenge Work for You.

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