Deposit Certificate Secured Loan

Deposit Certificate Secured Loan

Use your savings to fund a loan for something special

You're in control

Credit Union ONE Certificates of Deposit act as collateral.

A trusted source

Borrow against the value of your CD to create your loan.

Great rate

Your interest rate is lower than most credit cards.

Forget the fees

There are no application fees or closing costs for this secured loan.

Keep growing your money

Savings continue to earn interest while you use your loan.

No-hassle approach

You won't have to provide income or employment verification.

Coming full circle

When your loan is paid off, your savings become available to you again.

Looking for a personal loan with an affordable rate? Your Credit Union ONE CD(s) could be the key. The savings you've built up in a certificate with us can be turned into a secured loan you can use for anything life – debt consolidation, a special purchase, you name it. We make the application process simple so you can get the funding you need to reach your specific goals.

Credit Union ONE is a full-service financial institution with locations in Southeast Michigan, Davison, MI, Traverse City, MI, and Grand Rapids, MI.

Run The Numbers

Discover which loan is financially right for you.


Debt Consolidation Calculator

Open your Deposit Certificate Secured Loan.

More Solutions

Get 5% back when you shop local using your Mastercard.

Use your Mastercard at participating local shops and restaurants to receive 5% cash back on your purchases. 

The calculator tools are not guarantees of credit. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes.