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Certificate Secured Loan

Have your cake and eat it too

You don’t have to choose between having the money you need right now and letting your savings continue to grow. Do both with a Certificate Secured Loan.

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
  • APR is 3% above the dividend rate being earned on the term share certificate
  • Funds stay on the share certificate and continue to earn dividends
  • 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?

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Easy to Find

Convenient locations + shared branches nationwide.

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Earn More + Pay Less

Competitive rates on deposits, loans and credit cards.

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24/7 Convenience

Manage your account completely online.

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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. 
  1. 1
    Review eligibility

    Anyone who lives, works, worships, volunteers or attends school in 22 select counties may join. View our "Become a Member" page for full eligibility.

  2. 2
    Complete loan application

    When you’re ready, complete the online application or visit your branch to apply in person.

  3. 3
    Get 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.