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Fiscal offers Term Share Certificate Loans and Share Secured Loans to qualified members. Check out what we have to offer below:

With a Certificate Secured Loan, the funds in your term certificate are used as collateral against the outstanding balance. The term of the loan is tied directly to the maturity date of the term share certificate.

To apply for a Term Share Certificate Secured loan, click here

To check out the latest rates for Term Share Certificate Secured Loans, click here.

Start establishing, or re-establishing, your credit with a Share Secured loan from Fiscal. With this loan, your savings account is used as collateral against the outstanding balance of your loan, which allows you to maintain and continue to earn dividends on your savings account. It does not require a credit report, and offers a competitive fixed rate, which is ideal for keeping your savings intact when making a purchase. You can choose to pay off your loan in monthly payments or pay it in full with no prepayment penalties. 

To apply for a Share Secured loan, click here.

To check out the latest rates for Share Secured Loans, click here.

Fiscal offers two types of Secured Loans for members:  Term Share Certificate Loans and Share Secured Loans.  Use the tabs below to learn more about each type of loan.

Term Share Certificate Secured Loans

Term Share Certificate Secured Loans

With a Term Share Certificate Secured loan, the funds in your term share certificate are used as collateral against the outstanding balance. You can take advantage of the low interest rate on your loan, while your term share certificate continues to earn dividends. You may choose to pay off the loan in monthly payments, or pay it in full without incurring any prepayment penalties. The term of the loan is tied directly to the maturity date of the term share certificate. For monthly payments, you may refinance the loan at a new loan rate when your term share certificate matures and renews for another term.

To apply for a Term Share Certificate Loan, click here

To check out the latest rates for Term Share Certificate Secured Loans, click here.

Share Secured Loans

Share Secured Loans

Start establishing, or re-establishing, your credit with a Share Secured loan from Fiscal. With this loan, your savings account is used as collateral against the outstanding balance of your loan, which allows you to maintain and continue to earn dividends on your savings account. It does not require a credit report, and offers a competitive fixed rate, which is ideal for keeping your savings intact when making a purchase. You can choose to pay off your loan in monthly payments or pay it in full with no prepayment penalties.  

To apply for a Share Secured Loan, click here

To check out the latest rates for Share Secured Loans, click here.

HELOC LTV 60% as low as

3.75%APR**

Auto Loans as low as

1.99%APR**

Certificates as high as

1.31%APY**

Checking as high as

0.03%APY**

IRAs as high as

1.31%APY*

More Rates
*APR = Annual Percentage Rate. Rate reflects maximum available discounts. **APY = Annual Percentage Yield. The yield shown is the highest, based on tier, term, and/or other factors.