36 months for as low as 5.50%.**
48 months for as low as 6.00%.**
60 months for as low as 6.50%.**
*Rates are subject to change without notice.
** Additional fees may be included and only a loan officer may determine official repayment terms.
***Certain restrictions apply.
For Share Secured and Certificate of Deposit Secured Loan rates, please call our main office or our Harlingen branch for details.
Use Your Savings to Unlock Affordable Lending with Our Bank Brownsville
Choosing the right bank in Brownsville makes all the difference when looking for reliable and affordable lending options. At VFCU, our Share Secured Loans offer an innovative, low-risk way to borrow by using your savings as collateral. This allows you to access the funds you need while continuing to earn dividends on your share account.
Whether you’re building credit, making a large purchase, or want a lower interest rate than unsecured loans can offer, a Share Secured Loan is a practical financial tool that keeps your savings intact while giving you access to competitive financing.
What Is a Share Secured Loan?
A Share Secured Loan uses the funds in your VFCU share (savings) account or Certificate of Deposit (CD) as collateral for your loan. Since your existing assets back the loan, you’ll benefit from lower interest rates, flexible terms, and a straightforward approval process.
This loan type is ideal for those who want to borrow responsibly while continuing to grow their savings.
Available Loan Terms and Rates:
- 36 months for as low as 5.50%
- 48 months for as low as 6.00%
- 60 months for as low as 6.50%
*Rates are subject to change without notice.
**Additional fees may apply. A loan officer determines the final terms.
***Certain restrictions may apply.
Why Choose a Share Secured Loan?
Unlike unsecured loans that may come with higher rates or strict credit requirements, a Share Secured Loan offers flexibility and financial peace of mind. It’s a smart way to access credit, especially if you want to build or improve your credit score.
Benefits of a Share Secured Loan:
- Low fixed interest rates
- No withdrawal from your savings
- Flexible repayment terms
- Credit-building potential
- Fast and easy application process
Local Lending You Can Trust
As a trusted bank Brownsville, VFCU is committed to offering personalized financial solutions for our members. We understand that each financial journey is unique, and our Share Secured Loans are designed to provide safe, stable lending when you need it most.
With branches in Brownsville and Harlingen, our experienced loan officers are available to help guide you through the process and determine the loan terms that best suit your goals.
Ready to Take the Next Step?
Unlock affordable lending backed by your savings—choose VFCU, your reliable bank in Brownsville. For full details on Share Secured and Certificate of Deposit Secured Loan rates, we encourage you to contact our main office or visit our Harlingen branch. Our team is here to answer your questions, explain your options, and confidently help you apply.
