Get financing that’s backed by an interest-bearing CD. Each includes low rates, low processing time, and no credit check.


Key Features

  • Lower Rates
  • Local Processing
  • Quick Decisions
  • Lower rates than personal loans
  • No credit check required
  • Maximum loan amount is $100,000
  • The principal balance in the certificate must be equal to or greater than 105% of the balance of the loan
  • Fixed rate of interest at 2.50%APR above the Certificate dividend rate with AutoPay discount, 3.00%APR above the Certificate dividend rate with coupon book
  • As payments are made on the loan, the money in the certificate becomes liquid
  • Certificate will be retained by the loan department during the term of the loan
  • Simple, standardized repayment terms
  • Repayment period of 5 years or the term of the certificate, whichever is less, for loans paid monthly
  • Repayment period of the term of the certificate or 1 year for single payment loans
  • Quick, local decision-making and processing