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SHARE-SECURED LOANS

Meet your needs while you maximize your earnings.

A loan secured by a Share or Certificate — or — a credit card secured by a Share provides flexibility to borrow needed funds while you improve your credit score and continue to earn dividends.

Share or Certificate-Secured Loans

  • Borrow up to 100% of your available Share or Certificate Account balance
  • As you pay down your loan, the secured funds become available in your Share or Certificate Account
  • Dividends continue to accrue monthly on your secured funds

Share-Secured Visa® Credit Card

  • Enjoy all the benefits of a Diamond Rewards Visa Credit Card with a 1.99% APR for six months and a 13.50% variable APR thereafter**
  • Your credit limit is determined by the initial deposit you make to secure the card
  • A great tool for building or rebuilding your credit score

Apply for a Loan Today

Share-Secured Loan Rates

Rates effective as of 6/2/2025
TypeApproximate TermAPR* as low as
Certificate-Securedup to 60 months5.25%
Certificate-Secured61-120 months5.75%
Share-Securedup to 60 months5.25%
Share-Secured61-120 months5.75%

*APR = Annual Percentage Rate. Your rate will be based on your creditworthiness. Please contact the credit union to find out what rate you qualify for and what criteria we use to qualify you for a certain rate.

Payment example: $20,000.00 at 5.25%, monthly payment $23.15 per thousand borrowed for 48 months. Total interest paid is $2,219.62, total amount paid is $22,219.62.

VISA Credit Card

Rates effective as of 6/2/2025
TypeAPR** 
Diamond Rewards VISA Credit Card13.50%-17.00%Apply

**APR = Annual Percentage Rate. The APR will vary with the market based on the Prime Rate. Click here for details on interest rates and interest charges, fees, penalty fees, and other disclosures.

NEW PAGE CURRENTLY BEING DEVELOPED

A new streamlined FFIS page will be launched soon.

In the meantime, to access your accounts, visit

https://myaccountviewonline.com/login/

or call (800) 766-4328, x8806.