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Share and Certificate Secured Loans

By using the funds you have on deposit at R.I.A. Federal Credit Union as collateral, you will receive the lowest loan rate and some of the most flexible repayment terms available.

Use your R.I.A. Federal Credit Union share account or certificate as collateral to get a great rate on a loan.


  • Flexible repayment terms
  • No credit report required
  • Funded immediately
  • Credit Builder
  • Limited credit application is needed
  • Payment for certificate secured is due at maturity
  • Secured funds must be member-owned
  • Rate is 3% above share/certificate rate*
  • 100% of share balance can be borrowed
  • 90% of certificate balance can be borrowed
  • Loans are subject to approval
  • Restrictions may apply
  • Must be a credit union member to receive a loan
Take a look at our rates.

*Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications