Online Banking

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.

Summary

  • 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
  • Loans are subject to approval
  • Restrictions may apply
  • Rate is 3% above share/certificate rate
  • 100% of share balance can be borrowed
  • 90% of certificate balance can be borrowed
  • Must be a credit union member to receive a loan
Take a look at our rates.