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CERTIFICATE SECURED LOANS

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Certificate Secured Loans

Borrow Smart. Keep Your Savings Growing.

A Certificate Secured Loan lets you borrow money using your existing share certificate as collateral. You continue earning dividends on your certificate while accessing funds at a lower interest rate than most unsecured loans. It’s a smart way to meet short-term needs without breaking into your long-term savings plan.

No Credit Checks

How It Works

  • You pledge your share certificate as collateral
  • Loan terms are tied to the maturity date of your certificate
  • Your certificate continues to earn dividends while the loan is active
  • Once the loan is paid off, your certificate remains yours—fully intact

Why Choose a Certificate Secured Loan?

  • Lower Interest Rates – Because the loan is secured, rates are typically lower than unsecured personal loans
  • Build or Strengthen Credit – On-time payments can help establish or improve your credit profile
  • Keep Your Savings Intact – No need to withdraw or close your certificate early
  • Flexible Uses – Great for planned expenses, emergencies, or consolidating higher-interest debt
  • Easy Approval Process – Less risk means a smoother lending experience

What Can I Use This Loan For?

  • Unexpected expenses
  • Major purchases
  • Debt consolidation
  • Home or auto repairs
  • Education or personal needs

Key Features

  • Loan amount based on your share certificate balance
  • Competitive interest rates
  • Fixed monthly payments
  • No need to liquidate your certificate
  • Simple and convenient repayment options
Do I still earn dividends on my share certificate?

Yes! Your share certificate continues to earn dividends while securing your loan.

Your certificate remains pledged as collateral until the loan is paid off. Early access may require loan payoff and could affect dividends or penalties.

Absolutely. Making consistent, on-time payments can help establish or improve your credit history.

Loan amounts are typically based on the value of your share certificate. Contact us to learn how much you qualify for.

If the loan is not repaid as agreed, the share certificate may be used to satisfy the outstanding balance.

Simple loans. Honest guidance. Real support.

Apply Online or at our local branch!

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1700 Robin Hood Road
Richmond, VA 23220

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If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 804-359-8754 for assistance. All products and services available on this website are available at all RVA Financial Federal Credit Union full-service locations.