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Secured Loans. Happy family on a camping trip.

Secured by funds available in your CFE Savings or Money Market Account, a secured loan can provide you with access to additional cash when you need it. And, because it’s backed by your own savings, you can build your credit with less risk.

Features and Benefits
  • Minimum loan amount: $500
  • Maximum loan amount is 100% the amount of funds available in the share account, not to exceed $300,000
  • Maximum term is up to 120 months, based on amount borrowed
  • The annual percentage rate for the share secured loan will be determined by the term
  • 1 - 36 months share rate + 3%
  • 37 - 72 months share rate + 4%
  • 73 -120 months share rate + 5%
  • 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 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 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 Secured Loan? Share this info with them.