Personal Loans

Share Secured Loans

With a Share Secured Loan you borrow against your savings or share certificate at Advantage One and receive a low-rate loan, while still earning dividends on your deposits. The funds in your savings or share certificate will be frozen and made available again as the loan payments are made. A Share Secured Loan is a good choice if you're looking to build credit or need to make a purchase but don't want to dip into your savings. Get started today - apply online, call 734-676-7000 to apply by phone or apply in person at a branch office.

Benefits:

  • Apply Now buttonLower rates than many unsecured loans
  • Excellent way to build or rebuild credit
  • Minimum loan amount $500
  • Terms up to 48 months
  • Pledged deposits continue to earn dividends

Share Secured Loan
Effective Date: Wednesday, December 12th, 2018
NameTermAnnual Percentage Rate
Share Secured Maximum of 48 months + 3.00%*
*Share secured rate is 3.00% more than the rate of dividend paid on the funds used as collateral.


Title Secured Loans

We also offer Title Secured Loans that allow you to borrow against your vehicle’s value to access money for debt consolidation or other financial goals. The credit union takes a security interest in your collateral, such as a car, boat, or other recreational vehicle with a clean title, until the loan is paid in full. Get started today - apply online, call 734-676-7000 to apply by phone or apply in person at a branch office.

Benefits:

  • Apply Now buttonLower rates than many unsecured loans
  • Excellent way to build or rebuild credit

All collateral is subject to approval by the credit union.  For additional details, give us a call at 734-676-7000.

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