Build Your Credit Safely with Eagle’s Share-Secured or Certificate-Secured Loans
Eagle Community Credit Union offers a smart and secure way to borrow while leveraging your own savings with our Share-Secured and Certificate-Secured Loans. Whether you're looking to build your credit history or need funds without depleting your savings, these loans provide an ideal solution.
Key Benefits:
- Borrow Against Your Savings: Access funds secured by your Share or Certificate accounts at Eagle, while your investment continues to grow.
- Avoid Early Withdrawal Penalties: Keep your savings intact and avoid penalties by borrowing instead of withdrawing.
- Low-Cost Borrowing: Enjoy low rates with payments just a small percentage over your investment rate.
- Credit-Building Opportunity: Safely build or improve your credit history with a loan backed by your own savings.
With Eagle’s Share-Secured or Certificate-Secured Loans, you can borrow with confidence, knowing your savings continue to work for you while you achieve your financial goals.
| Term | APR* | Financing |
|---|---|---|
| Up to 60 Months | 3.25% over savings rate | 100% |
| *APR=Annual Percentage Rate. Your APR is determined by your credit qualifications. | ||
| ††MasterCard Credit Builder Credit Card and Share/Certificate Secured Loan is secured by deposit into a Credit Union Share. | ||
| Term | APR* | Financing |
|---|---|---|
| Term of Deposit | 3% Over Dividend Rate | 90% |
| *APR=Annual Percentage Rate. Your APR is determined by your credit qualifications | ||
| ††MasterCard Credit Builder Credit Card and Share/Certificate Secured Loan is secured by deposit into a Credit Union Share. | ||
*APR=Annual Percentage Rate. Your APR is determined by your credit qualifications. All rates quoted DO NOT include the rate discounts available. Vehicle loans up to 1.00%: 0.25% for auto from Eagle checking, 0.50% for loan loyalty, (having a prior Eagle loan) and 0.25% for 80% or less LTV. Personal Loans are up to 0.75%: 0.25% for auto from Eagle checking and 0.50% for loan loyalty, having a prior Eagle loan. Rates will increase by 1% for vehicles over 5 years and 2% for vehicles with over 100,000 miles. The rates listed above are current as of the effective date and are not intended to be inclusive or a commitment of the pricing for which you may qualify. The loan and accompanying interest rates, points, and APR you may qualify for are based on your credit history, loan-to-value, occupancy, property type, loan amount, loan purpose, and income/financial obligations. All loans are subject to a minimum credit qualifying score. Interest rates, points and APRs are subject to change without notice. Financing percentages reflect maximum amounts, and, in some cases, you may not qualify for maximum financing. Auto financing up to 120% includes taxes, license and insurance for qualified borrowers up to 120% of MSRP for new cars and 120% of the JD Power value, Carfax or Kelley Blue Book for used cars. All other vehicles financing up to 100%. Maximum loan amount is $125,000 on Autos. Members cannot exceed over $25,000 on unsecured loans with Eagle. No application fees on consumer loans
Apply for a Share-Secured or Certificate-Secured Loan Now
Fixed Rate Credit Cards
Choose Eagle Community Credit Union's credit cards for competitive fixed rates, no annual fees, and flexible options to earn rewards or build credit, all with easy online and mobile account management.
Savings Accounts
When it comes to savings options, Eagle has you covered! From Access Savings, Money Market Account, Holiday Club Savings, and Share Certificates, we have a high yield savings account designed for you.
Protect Your Finances
Protect your financial future with Eagle Community Credit Union's Loan Protection. Enjoy peace of mind knowing your loans are covered in times of uncertainty, safeguarding your family and financial security.
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