Perfect for your changing financial needs
The money you were able to invest a year ago might be exactly what you need to make ends meet today, but you’ve also got the future to consider. An Addition Financial Certificate Secured Loan allows you the flexibility to borrow what you need right now while sticking to your long-term savings plan.
Short Term Borrowing + Long Term Saving
Borrow the money you need today with help from the funds you’re saving for tomorrow. When you use your Term Share Certificate savings as collateral, it will continue to earn dividends and grow untouched while you use and repay the money you’ve borrowed. Unlike withdrawing money from your certificate early, there’s no penalty for borrowing against it with this loan.
Funds available immediately
Minimum loan amount: $500
Maximum loan amount is 100% of the certificate balance, not to exceed $300,000
Maximum term is up to 60 months but cannot exceed the certificate's maturity date
The annual percentage rate is 3% above the dividend rate being earned on the term share certificate
Funds stay on the share certificate and earn dividends while being held as loan collateral
The loan will be set up with monthly loan payments
There must be sufficient funds in the Term Share Certificate to cover the loan
Why Addition Financial?
Easy to Find
Convenient locations + shared branches nationwide.
Earn More + Pay Less
Competitive rates on deposits, loans and credit cards.
Manage your account completely online.
Additional Features and Benefits
Online and mobile access
Friendly member service
Discount tickets, goods and services
Financial assistance and education
Pursue your dreams and goals
Whether you’re looking to pay down bills, travel or simply enjoy some extra cash, an Addition Financial personal loan can help you make those dreams a reality.
Anyone who lives, works, worships, volunteers or attends school in 22 select counties may join. View our "Become a Member" page for full eligibility.
2Complete loan application
When you’re ready, complete the online application or visit your branch to apply in person.
3Get your loan
Enjoy your new cash.
Get your learn on
Think of us as your personal financial guru, partner and coach for wherever life’s journey takes you. To help you live your best life, we offer money management tools, financial literacy seminars and expert advice that’s easy to understand. Start making every moment (and every penny) count.