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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.
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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.

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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
  • Rate is current 60-month certificate rate + 3%
  • 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
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Book an appointment and skip the line!

When you book at appointment online, you won't have to wait in the lobby to talk to one of our representatives. Plan ahead for a date and time that works for you, at a location that's close by. One of our agents will be ready to speak with you at the time you booked.
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Payment Protection

Establish peace of mind for yourself when you choose to cover your Addition Financial loan with Payment Protection. By adding payment protection to your new loan, you’ll have one less thing to worry about during a period of reduced income due to disability, illness or death.
Learn more about Payment Protection

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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, attends school or vocational training, or is an alum of any college, university, or educational institution located in 26 select counties may join. View our "Join Today" 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.

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