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Let Your Certificate Work Double Duty

Secured Loans

A Secured Loan lets you borrow against your existing Soarion Share Certificate or Soarion Savings as collateral for a low-rate loan.

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dividends
Low Rates
buid credit
Build or Repair Credit
less risk
Less Risk
flexibility
Flexible Terms
About Secured Loans
With Secured Loans, Your Money Works for You.

Unexpected expenses happen and if you want to avoid early withdrawal fees on your share certificate, or don’t want to spend your savings, borrowing against your certificate or savings with a Secured Loan can offer a solution.

Borrowing against your certificate or savings can help you re-establish credit. You won’t miss out on certificate dividends or eat into your savings account. Plus, you won’t need to bother with a credit check or lengthy approval process.

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Secured Loan Features

  • No credit check required
  • Fixed interest rate for the life of the loan
  • Borrow up to $25,000 of your account balance
  • Funds in your certificate or savings account continue to earn dividends.
  • As the loan is paid off, savings secured funds become available to you

Secured Loan Rate

Rates effective as of: 4-6-2026
Rates effective as of: 06/25/2026

Term

APR* as low as

6 to 60 months
3.00% above the pledged savings or certificate account APY

* APR = Annual Percentage Rate. Membership eligibility required. Rates subject to change at any time without notice.

Funds securing the loan must be on deposit in the associated account for a minimum of sixty (60) days prior to loan eligibility.

Secured Loan payment example: $5,000 borrowed at 6.20% (3.00% above the pledged certificate or savings APY of 3.20%) for 60 months will have an estimated monthly payment of $97. Use a Soarion Financial Calculator to calculate loan payment amounts.

Credit When You Need It

A Line of Credit is open-ended can be borrowed against at any time.

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You will need the following information to complete an application online or at a Soarion Financial Center:
I'm new to Soarion
I'm a Soarion Member

Soarion Credit Union Members need to Login to Digital Banking and select “Accounts” > “Open an Account” to apply

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We have partnered with Student Choice to help finance your education. Next steps will direct you to a marketplace site where other top national credit unions will offer you rates and terms based on your estimated FICO. You can then select which one works best for you and complete the application. It’s that easy to get the best rate from another trusted not-for-profit credit union.

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