What's great about Truity Share Secured Loans?

Share Secured loans are a way to make your money work for you. Borrow against your savings or certificates. Your good savings habit secures the loan and is a great way to build your credit.

Flexible Terms up to 60 Months

Rate 2% above Share or Certificate Rate

In-House Servicing

Build Credit

Share Secured Loan

A share secured loan is a loan that is secured or guaranteed by a shareholder's savings account. A Share Secured Loan is a good idea if you are looking to build your credit or you need to make a necessary purchase but don't want to dip into your savings. With a Share Secured Loan, you borrow against your savings and receive a low-rate loan, while still earning interest on your financial resources on deposit!

Up to 60 months. Minimum of 12 Months per $1000. Rate is 2% above share rate variable.

Apply For a Share Secured Loan

Share Certificate Secured Loan

An important step toward achieving your financial goals is establishing good credit. With a Share Certificate Secured Loan, you can begin to build good credit by using share certificates as collateral for a loan. When you apply for a Share Certificate Secured Loan, you agree to "freeze" the dollar amount of the loan in your share certificate. The funds are used as collateral until you repay your loan. However, you continue to earn dividends on your funds. As you repay your loan, you regain access to the pledged funds.

Up to 60 months. Minimum of 12 Months per $1000. Rate is 2% above share certificate rate.

Apply For a Share Certificate Secured Loan

Skip a Payment

Need a little extra spending money? We can help—just skip your next loan payment!

Log In to Skip Payment

Make a Payment

With our convenient online options, managing your payments has never been simpler.

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Related Products

Share Secured Credit Card

Build or rebuild your credit history with a low rate.

See Cards

Rates51 as of 03/23/2025

MyMoney Loan APR Loan Term
Share Secured 33 2% Over Share Rate Variable, Up to 60 Months, 12 Mon Per $1000
Share Certificate Secured 33 2% Over Share Rate Fixed, Up to 60 Months, 12 Mon Per $1000

Disclosures

33. Secured Loan: Up to 60 months. Minimum of 12 Months per $1000. Rate is 2% above share rate and is variable. Share Certificate Secured Loan: Up to 60 months. Minimum of 12 Months per $1000. Rate is 2% above share certificate rate.

70. By participating in Truity’s Skip-A-Pay program, you request your loan payment(s) are deferred as indicated. You agree and understand that: 1) FINANCE CHARGES will continue to accrue during and after the deferral period; 2) deferring payment will result in higher total FINANCE CHARGES than if payment were made as originally scheduled; 3) payment deferral will require extra payments past the original maturity date; 4) elected GAP or Warranty Coverage will not be extended beyond the original maturity date; 5) payments will resume the following month; 6) there is a $38 fee; 7) If you have an ACH initiated with another financial institution that automatically makes your payment, you will need to contact that institution to stop payment. If you have an ACH initiated with Truity that automatically pulls money from another financial institution, you will need to contact us to stop payment at least 4 days prior to the next due date of the Auto Pay; 8) if we are unable to stop your ACH payment in time, your skipped payment may be delayed until the next payment. Deferrals subject to approval. Loan(s) must be in good standing to accept this offer. Restrictions may apply. Excludes real estate loans, single payment loans & lines of credit.