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Secured Loans and Lines of Credit

  • Get one of our lowest rate loans
  • Build or improve credit
  • Earn dividends on your held funds

Schedule appointment

Secured Loans and Lines of Credit

  • Get one of our lowest rate loans
  • Build or improve credit
  • Earn dividends on your held funds

Schedule appointment

Low-rate loans to help you build credit fast

WSECU offers Share- and Certificate-Secured Loans and Share-Secured Lines of Credit — loans that are guaranteed with funds in your WSECU savings account or share certificate.
Secured loan and line of credit rates and terms
Share-Secured Loan
Variable Rate*
3.09%
Annual Percentage Rate (APR)
Up to 96 months
Payment period
Compensating share balance required
Payment example
Schedule appointment
Certificate-Secured Loan
Variable Rate*
Earning rate + 3.00%
Annual Percentage Rate (APR)
Up to 96 months
Payment period
Compensating certificate balance required
Payment example
Schedule appointment
Share-Secured Line of Credit
Variable Rate*
3.09%
Annual Percentage Rate (APR)
Based on 4% of balance
Payment period
Compensating share balance equal to limit
Payment example
Schedule appointment

* Rates and terms listed are current as of August 1, 2023. Rates and terms are subject to change at WSECU's discretion.

How to apply

Call 800.562.0999 Visit your nearest branch Schedule appointment

Resources

How to establish credit when you're just starting out

Personal loan calculator

The road to a better credit rating

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