Share-Secured Loans

Borrow up to 100% of the available funds in your savings account. The annual percentage rate is determined by adding 2% to the current savings rate. The funds will remain on deposit and will continue to earn dividends, but will not be available for withdrawal. As the balance is repaid, the funds become available for use.

Maximum term based on loan amount

Loan Amount Maximum Term
$500 - 1,499 12 months
$1,500 - 2,999 24 months
$3,000 - 5,999 36 months
$6,000 - 9,999 48 months
$10,000 or more 60 months

Certificate-Secured Loans

Borrow up to 100% of the certificate's value. The maximum term is the maturity date of the certificate. The annual percentage rate is determined by adding 2% to the existing certificate rate. The funds will remain on deposit and will continue to earn dividends, but will not be available for withdrawal.

For an instant loan decision, apply online or by phone at (888) 858-6878.

Share-secured loans may not be used to refinance an existing Pacific Service CU loan.

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