SHARE SECURED LOAN

Do you need access to money in a Certificate of Deposit?  Share secured loans are loans made against money on deposit in your credit union account, such as CD's, Super Shares, and Secondary Shares.  This is a great way to re-build your credit or to establish new credit.  Share secured credit cards are also available.

Benefits

	Much lower interest rate.
	Access to money on deposit without paying a penalty.
	A "safe" loan that keeps your credit in good standing.
	The convenience of borrowing without using your regular shares.

Rates

	3% above the current dividend rate on regular shares or Super Shares.*
	2% above the current dividend rate on Certificates Of Deposit.

*APR = Annual Percentage Rate.  Rates are subject to change.

Required Forms**

The only required form is a completed Loan Application.

**Other forms may be required.