Secured Personal Loans


Borrow with confidence backed by your savings. 

Put your savings to work without spending a dime.

Need to borrow but don’t want to dip into your hard-earned savings? A secured personal loan lets you use your savings or CD as collateral to get a lower loan rate in return.

How it works:

  • The loan is backed by money in your savings or CD account as collateral 
  • Typically earning you lower interest rates than unsecured loans
  • Great for those building or rebuilding credit
  • Keeps your savings intact 
  • Pay fixed monthly payments over a set term
  • Enjoy local service and quick loan decisions

Share Secured Personal Loan

Effective Date: 9/25/2025

TypeAPR*Monthly Payment/$1,000
Share Secured LoanCurrent Share Rate + 4.00% $18.44
Share Certificate Secured LoanCurrent Share Certificate Rate + 4.00%$19.82

*Rate shown is Annual Percentage Rate (APR) and subject to change without notice. Other terms may apply. For more information contact us at 877-895-6840. Rates and conditions are subject to change without notice.

Digital Banking

When life gets busy, bank on your own schedule with HRCU's mobile and online banking.

Make your next smart move.

Watch your money grow with HRCU's CDs.

Your checking account deserves better. Find your happy place at HRCU.

Get Financially Fit

  • First 5 Steps to Start Your FAFSA Application

  • Which Credit Card Is Right For Your College Student?

  • HELOC vs. Home Equity Loan

    HELOC or Home Equity Loan: Which Option is Right for You?

  • From Starter Home to Forever Home: Using Home Equity to Renovate the Home of Your Dreams

Account Opening Headline