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.