Share Secured Loans

Share Secured Loans can be a valuable option for those looking to build their credit. Share Secured Loans also provide the opportunity to keep your Savings Account intact in case you’re faced with an unexpected expense.

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Apply for a loan now with our easy-to-use online application or call 844-COP-SAVE (844-267-7283) to speak with a representative!

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Credit Union Interest Rates

Check out our spectacular rates!

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What Is a Share Secured Loan?

It is a loan that is secured by funds that you have available in a Savings Account at the credit union at the time of application.  It allows you to get a rate much lower than our low Signature Loan rates.

A Share Secured Loan has a variable rate of 2.72% APR*, which is adjusted periodically. The loan has flexible terms based on the amount financed. The current highest tier base Share Savings rate plus a spread of 2.50% APR* will determine the interest rate. For example, if the highest tier base Share Savings rate is 0.22% APR*, the interest rate on your loan will be 2.72% APR* (0.22%APR* + 2.50% APR* spread). The maximum rate is 18% APR*. The minimum rate is 2.72% APR*.

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Debt Protection

Life and Disability Debt Protection allows you to safeguard your loan in times of uncertainty.

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More Great Offers From National Police Credit Union!

Frequently Asked Questions

What forms does a Cosigner need to fill out?

Please fill out the Cosigner Packet.

What is debt protection and how does it work?

Life and Disability Debt Protection allows you to safeguard your loan in times of uncertainty.

What is an External Loan Transfer?

External Loan Transfer allows you to pay credit union loans from other financial institutions.

How is my share secured loan rate calculated?

Check out our Share Secured Loan page for more information.

I applied for a loan, but my loan status shows that I don’t have a loan applications on file. How can I check my loan status?

To check the status of your loan application, please call us at (844)267-7283 and select option 1 when prompted.

Why is my Home Banking login sending me to a loan application page?

You did not access your Home Banking account in the last 60 days. To regain access, contact us at (844) 267-7283.

*APR = Annual Percentage Rate.