Certificate and Share Secured Loans

These are loans that are secured by the funds available either in your savings account or the CD of your choice (excluding IRA’s, Steady Saver CD’s, share drafts, escrow, or any shares secured for credit cards).

A certificate secured loan allows you to borrow 100% of your certificate's principal balance at 3.00% above the dividend rate being paid on the certificate.

A share secured loan allows you to borrow 100% of your savings available balance at 4.00% above the dividend rate being paid on the share.

With either loan, you will experience fast approval, peace of mind, and you can still earn dividends on funds that are secured.

Please note:

  • The amount of the loan cannot exceed the amount of shares in the certificate
  • The loan term must be equal to or less than the certificate term
  • You can pledge your shares for yourself, your family and friends

Apply Today!

For additional instructions on how to apply for a loan through online banking, please click here.

Make a Payment

AmeriCU Loan Payments
PO Box 4179
Rome, NY 13442-4179



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