Share Secured

Protect your savings and build your credit with our Share Secure loan. When you need to make a large purchase, don’t dip into your savings. Instead, use the funds in your account as collateral for a low rate loan to use however you need while leaving your savings untouched.

Secure Your Loan with Savings

Building your savings is hard. Why spend your emergency money when you can use it as collateral for a quick loan? Share Secure loans use the funds you already have to back the loan you need.

How It Works

With a Share Secured Loan, you borrow against your saved funds and receive a low-rate loan, while still earning interest.

Account funds are used as collateral for the loan, freezing them so that they are temporally inaccessible until the loan is paid off. During this time, any interest typically accrued on funds will continue to post to the account.

Once the loan is paid off, funds will be released back to the account and made available to you.

Take advantage of this loan and you can:

  • Make large purchases while keeping your savings intact
  • Receive a low fixed rate
  • Build credit and payment history
  • Increase savings with account interest


Share Secure loans can be used for anything you might need, such as personal purchases or debt consolidation. Some ideas might include paying for:

  • Weddings
  • Funerals
  • Large appliances
  • Furniture
  • Minor home improvement

Ready to Get Started?

Apply Online

Use our easy online application process to get started right away.

Apply Now

Apply in Person

Visit any of our locations to start the process of your new loan.

Find a Branch

Apply by Phone

Questions? Call us anytime to speak with a specialist.


APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval. Restrictions may apply; see credit union for details.

© 2023 Resource One Credit Union. All rights reserved.

Equal Housing Logo

Federally insured by NCUA.

Resource One Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical braches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 800-375-3674 so that we may promptly assist you and remedy any accessibility concerns.