One of the greatest benefits of a share certificate is that you accrue high dividends at set rates, minimizing risk while increasing reward. In return, you agree to lock in those funds for a set amount of time and pay a penalty if you withdraw your funds early.

So what if you find yourself in a situation where you need access to that cash now?

A secured loan lets you borrow against your existing share certificate, so you continue to gain dividends and avoid early closure fees while paying back your secured loan. This can save you anywhere from 3-12 months worth of dividends depending on the terms of your agreement. 

Advantages:

• Your share certificate continues to earn dividends while you use and pay back your loan
  
• No early withdrawal fees
  
• The term of your secured loan mirrors that of the share certificate, creating a streamlined loan experience
• No credit report required

The minimum loan amount is $500, and the minimum loan payment is $25.

Rate example: For a loan amount of $2,000 borrowed at APR¹ as low as 4.00%² for 60 months, your monthly payments would be $36.