Let Your Certificate Work Double Duty

Certificate Secured Loans

A Certificate Secured Loan lets you borrow against your existing Soarion Share Certificate as collateral for a low-rate loan.

Questions? Book Appointment

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About Certificate Secured Loans

Unexpected expenses happen and if you want to avoid high-interest credit card debt or paying early withdrawal fees on your Soarion Share Certificate, consider borrowing against it with a Certificate Secured Loan.

Borrowing against your Share Certificate can help build or re-establish credit, and you’ll continue to earn interest while still having extra cash at hand. Plus, you won’t need to bother with a credit check or lengthy approval process.

    Certificate Secured Loan Features

  • No credit check required


  • Fixed interest rate for the life of the loan


  • Borrow up to $25,000 of your account balance


  • Funds in your Share Certificate continue to earn dividends


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    Certificate Secured Loan Benefits

    Low Rates

    Build or Repair Credit

    Less Risk

    Flexible Terms

    Certificate Secured Loan Rate

    Rates effective as of:

    Term APR*
    6 to 60 months 3.00% above the pledged Share Certificate APY

    * APR = Annual Percentage Rate. Membership eligibility required. Rates subject to change at any time without notice. 

    Certificate Secured Loan payment example: $5,000 borrowed at 6.20% (3.00% above the pledged Share Certificate APY of 3.20%) for 60 months will have an estimated monthly payment of $97. Use a Soarion Financial Calculator to calculate loan payment amounts.

    Earn While You Borrow

    Use the balance in your Savings Account as collateral for a one-time advance.