Secure your loan with deposit funds. You’ll enjoy a lower interest rate on your loan while continuing to earn competitive dividends on your accounts. Rates for Share Certificate Secured Loans are among our lowest consumer lending rates. Borrow up to 90% of the face-amount of the share certificate.  The interest rate on the loan will be 3.00% above the rate on the share certificate that is used for collateral on the loan.  The loan term cannot exceed the term of the share certificate.