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Share Secured Loan

3% Above the 12 Month CD
Apply Today!

This loan, which can be used for any purpose, is secured by the available funds in your regular savings account. Your secured funds will still earn dividends.

A share-secured loan allows you to receive a significantly reduced loan rate in return for pledging your credit union shares as collateral against the loan. In order to be classified as a “share-secured” loan, 100% of the loan balance must be covered by your savings. For example,if you borrow $5,000.00 – you need to pledge $5,000.00 from your savings account. Your pledge amount automatically reduces with your loan balance.

Credit Disability–To help protect your family from unexpected tragedy, JMCU offers optional low-cost credit disability insurances for most credit union loans.

Credit Life–Enjoy extra peace of mind at all affordable group rates with our credit life insurance option.

Some restrictions apply*

The interest rates, annual percentage rates (APRs), shown are subject to change without notice. Not all borrowers will qualify for all rates. If you apply, your loan terms may vary based upon when you submit your application, the information you provide with your application, our underwriting criteria in effect at that time and your final loan amount and finance charges. All applications are subject to credit approval.