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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!

Apply Now
1700 Robin Hood Road
Richmond, VA 23220

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Routing # 251082495    |    NMLS#523374  |  Privacy Policy

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.

1 Rate effective as of 02/01/2026. Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit and include discounts. Members may be eligible for up to 2 of 3 available discounts (up to a 1% APR rate discount), which includes a 0.50% discount for an approved automated payment method, a .50% discount for a loan-to-value (LTV) that is 100% or less, and 0.50% discount for Loyalty for members who have had a loan with us within the last five years or membership history of 10+ years. Subject to credit and collateral approval. Minimum and maximum loan amounts apply. Ask us about other APR and longer term options. Please contact us for specific terms, rates, available discounts, and information about loans originated at dealerships that participate in our Preferred Dealer Network.

2 Rate effective as of 02/01/2026. Minimum and maximum loan amounts or credit limits apply. Your APR will be determined based on our internal credit criteria. Listed APRs assume excellent credit and include discounts. Members may be eligible for up to 2 available discounts (up to a 1% APR rate discount), which includes a 0.50% discount for an approved automated payment method, and a 0.50% discount for Loyalty for members who have had a loan with us within the last five years or membership history of 10+ years. Subject to credit approval. Minimum and maximum loan amounts apply. Ask us about other APR and longer term options. Please contact us for specific terms, rates, available discounts.

3 Standard APRs for purchases and balance transfers will apply and is subject to change. We will begin charging interest on balance transfers on the transaction dates. Earn 1% cash back up to $50 monthly, $600 annually on purchases. Cash back is redeemed to share savings at month end. 1% not earned on interest, fees, cash advances, balance transfers, and must be current. RVA Financial is not responsible for any charge owed to any creditor because a payment was not applied by a specific date. RVA Financial also reserves the right to decline any balance transfer request and may decline any that exceed the available credit limit. View our Card Agreement & Disclosure Statement for more information. Subject to credit approval. Minimum and maximum credit limits apply.