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Certificate Secured Loans. Happy family on a camping trip.

Borrow money you need today using your Term Share Certificate savings as collateral. A Certificate Secured Loan allows you to explore the advantages of a loan that is secured by those funds available in your term share certificate.

Features and Benefits
  • Minimum loan amount: $500
  • Maximum loan amount is 100% of the certificate balance, not to exceed $300,000
  • Maximum term is up to 120 months but cannot exceed the certificate's maturity date
  • The annual percentage rate is 3% above the dividend rate being earned on the term share certificate
  • Funds stay on the share certificate and earn dividends while being held as loan collateral
  • The loan will be set up with monthly loan payments
  • There must be sufficient funds in the share account to cover the loan

Personal Loans

Type* Maximum Term** APR As Low As
Personal Line of Credit Revolving 11.00%
Signature Loan 60 Months 9.00%
Share Loan 36 Months Share Rate + 3%
Share Loan 72 Months Share Rate + 4%
Share Loan 120 Months Share Rate + 5%
Certificate Loan Certificate Term Certificate Rate + 3%



What To expect 

To obtain a CFE Certificate Secured Loan, you will need to have established CFE membership with a CFE Share Savings Account in good standing. Members are then able to apply for a CFE Certified Secured Loan in person at any CFE branch, by calling our Contact Center, or online.


Learn more about buying a house with CFE Federal Credit Union.

Buying a House

Know someone who can benefit from a CFE Certified Secured Loan? Share this info with them.