Savings & Certificate Secured Loans

A low interest rate loan, secured by your savings or certificate account.


  • Enjoy a low interest rate -- just 3% higher than the dividends earned on your savings or certificate account
  • Continue to earn dividends on your savings or certificate funds
  • Convenient repayment with automatic payments from your SDMCU account
  • Provide a great means for establishing first-time credit -- or re-establishing credit following financial difficulty
  • No fees
  • Savings funds become available as loan balance decreases
  • No pre-payment penalties

To get your Share or Certificate Secured Loan, simply give us a call to apply by phone or apply online!


Other restrictions and conditions may apply. Rates and terms are subject to change without notice.  Not eligible for rate discounts.