Share Secured Loans | Atlantic Federal Credit Union
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Share Secured Loans

Get approved for a loan — regardless of your past credit — and borrow up to the full amount of your share or certificate balance. Our competitive rates are 3.5% above the share dividend rate or 2% above your Share Certificate rate. Your share or certificate account continues to earn full interest.


  • Use your savings or certificate balance as collateral
  • Guaranteed approvals regardless of credit history
  • Optional Payment Protection Plan
  • Additional rate reductions through our Member Merits program
  • I am writing today to commend Lynn and express my gratitude for the high quality customer service she always provides whenever I call the Credit Union.  She is professional, courteous and patient.  I can feel her smile each and every time we talk on the phone.

  • I recently had an emergency and needed a Home Equity loan quickly.  My initial contact was with Aida and the loan was finalized by Sabrina.  This was a very stressful time for me and both of these women were professional, patient, knowledgeable and considerate. They answered all of my questions, explained the various options as well as the process.  They are an asset to the Credit Union.