{"id":15015,"date":"2026-01-20T18:33:42","date_gmt":"2026-01-20T18:33:42","guid":{"rendered":"https:\/\/poefcu.org\/?page_id=15015"},"modified":"2026-03-01T04:37:15","modified_gmt":"2026-03-01T04:37:15","slug":"share-certificate-secure-loans","status":"publish","type":"page","link":"https:\/\/poefcu.org\/index.php\/share-certificate-secure-loans\/","title":{"rendered":"Share Certificate Secure Loans"},"content":{"rendered":"<div id=\"cmsmasters_row_oswnqulxvj\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div id=\"cmsmasters_column_j3z9cyi218\" class=\"cmsmasters_column one_half\">\n<div class=\"cmsmasters_column_inner\"><div class=\"cmsmasters_img  cmsmasters_image_n\"><img decoding=\"async\" src=\"https:\/\/poefcu.org\/wp-content\/uploads\/2026\/01\/share-certificate-secure-loan-banner.jpg\" \/><\/div>\n<\/div><\/div>\n<div id=\"cmsmasters_column_cbry6b0q58\" class=\"cmsmasters_column one_half\">\n<div class=\"cmsmasters_column_inner\"><div id=\"cmsmasters_heading_iiuoh0cbrm\" class=\"cmsmasters_heading_wrap cmsmasters_heading_align_left\">\n\t<h4 class=\"cmsmasters_heading\">SHARE CERTIFICATE SECURE LOAN<\/h4>\n<\/div><div id=\"cmsmasters_fb_694xv1th5g\" class=\"cmsmasters_featured_block\">\n<div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<div id=\"cmsmasters_heading_ju3rsysjtt\" class=\"cmsmasters_heading_wrap cmsmasters_heading_align_left\">\n\t<h2 class=\"cmsmasters_heading\">A Share Certificate Secured Loan is a type of secured personal loan that lets you borrow money using your own share certificate (similar to a certificate of deposit) as collateral, rather than using outside property or unsecured credit history. <\/h2>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_text\">\n<p>The maximum you can borrow is usually linked to the balance of your share certificate (often up to 100% of the value).<\/p>\n<\/div>\n<div id=\"cmsmasters_fb_v52fr2lgpn\" class=\"cmsmasters_featured_block\">\n<a href=\"http:\/\/Test\" class=\"featured_block_link\"><\/a><div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<div id=\"cmsmasters_button_wsuawoi2uf\" class=\"button_wrap\"><a href=\"https:\/\/poefcu.org\/index.php\/apply-for-a-loan\/\" class=\"cmsmasters_button\"><span>APPLY FOR A SHARE CERTIFICATE LOAN NOW!<\/span><\/a><\/div>\n\n<\/div>\n<\/div>\n<\/div>\n<div id=\"cmsmasters_fb_9mjh32y93t\" class=\"cmsmasters_featured_block\">\n<a href=\"http:\/\/Test\" class=\"featured_block_link\"><\/a><div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<div id=\"cmsmasters_button_qthpoqdh6\" class=\"button_wrap\"><a href=\"https:\/\/poefcu.org\/index.php\/rates\/\" class=\"cmsmasters_button\"><span>VIEW CURRENT RATES<\/span><\/a><\/div>\n\n<\/div>\n<\/div>\n<\/div>\n<div id=\"cmsmasters_fb_nddtq223gq\" class=\"cmsmasters_featured_block\">\n<a href=\"http:\/\/Test\" class=\"featured_block_link\"><\/a><div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<div id=\"cmsmasters_button_arfw9tube\" class=\"button_wrap\"><a href=\"https:\/\/poefcu.org\/index.php\/calculators\/\" class=\"cmsmasters_button\"><span> CALCULATORS<\/span><\/a><\/div>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"cmsmasters_row_febc6l12sd\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div id=\"cmsmasters_column_kmypgz5pz\" class=\"cmsmasters_column one_first\">\n<div class=\"cmsmasters_column_inner\"><div id=\"cmsmasters_fb_nnrj4uvoi9\" class=\"cmsmasters_featured_block\">\n<a href=\"http:\/\/Apply%20Now!\" class=\"featured_block_link\"><\/a><div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<div id=\"cmsmasters_heading_4r0coi0gfe\" class=\"cmsmasters_heading_wrap cmsmasters_heading_align_left\">\n\t<h2 class=\"cmsmasters_heading\">Key Benefits of Certificate Share Secure Loans<\/h2>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_text\">\n<ul>\n<li data-start=\"1356\" data-end=\"1380\"><strong data-start=\"1356\" data-end=\"1380\">Lower Interest Rates &#8211; <\/strong>Because the loan is backed by your own certificate, the credit union often offers <strong data-start=\"1465\" data-end=\"1489\">lower interest rates<\/strong> than unsecured personal loans.<\/li>\n<li data-start=\"1356\" data-end=\"1380\"><strong data-start=\"1522\" data-end=\"1556\">Keeps Your Certificate Earning &#8211; <\/strong>You continue earning dividends (interest) on the share certificate while borrowing against it, avoiding early withdrawal penalties.<\/li>\n<li data-start=\"1356\" data-end=\"1380\"><strong data-start=\"1730\" data-end=\"1762\">May Be Easier to Qualify For &#8211; <\/strong>Since the loan is fully secured, credit unions often have <strong data-start=\"1823\" data-end=\"1868\">less stringent qualification requirements<\/strong> (compared to unsecured loans), which can help members who are building or rebuilding credit.<\/li>\n<li data-start=\"1356\" data-end=\"1380\"><strong data-start=\"1963\" data-end=\"1992\">Builds or Rebuilds Credit &#8211; <\/strong>Making on-time payments on the loan can <em data-start=\"2035\" data-end=\"2074\">positively affect your credit history<\/em> because it adds an installment loan that could improve your credit mix and payment history, which are key credit scoring factors.<\/li>\n<\/ul>\n<\/div>\n<div id=\"cmsmasters_fb_qxjurht2cr\" class=\"cmsmasters_featured_block\">\n<a href=\"http:\/\/Apply%20Now!\" class=\"featured_block_link\"><\/a><div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<div id=\"cmsmasters_heading_zer7rw8o3\" class=\"cmsmasters_heading_wrap cmsmasters_heading_align_left\">\n\t<h2 class=\"cmsmasters_heading\"> Share Certificate Secure Loan Terms <\/h2>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_text\">\n<ul>\n<li>Pre-approved as share-secured<\/li>\n<li>Loan becomes due at the maturity of certificate and may be renewed<\/li>\n<\/ul>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"cmsmasters_row_0qnsh5l3s4\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div id=\"cmsmasters_column_t1fdptdij\" class=\"cmsmasters_column one_first\">\n<div class=\"cmsmasters_column_inner\"><div class=\"cmsmasters_text\">\n<p data-start=\"2019\" data-end=\"2180\">For more information, visit one of POE Federal Credit Union\u2019s branches or contact a loan specialist to get started on Shared Secure Loan today.<\/p>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-15015","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/pages\/15015","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/comments?post=15015"}],"version-history":[{"count":5,"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/pages\/15015\/revisions"}],"predecessor-version":[{"id":15373,"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/pages\/15015\/revisions\/15373"}],"wp:attachment":[{"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/media?parent=15015"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}