Get the money you need while building up your credit rating.

Put your savings to work in a different way

Cash as collateral

Borrow as much as you have in your Partner Colorado Credit Union Savings, Money Market and CD accounts.

Money for living

Use funds to pay down debt, cover expenses, make purchases or do anything else that needs to be done.

Credit booster

Good options for those who have had some financial challenges or are just starting to build their credit history.

Two options

Choose a one-year loan or an open-ended loan that allows you to draw funds repeatedly over a longer period of time.

It's all part of the plan to get you on track

If you're just starting out or you're recovering from a financial setback, secured loans can be part of a multi-step strategy. First, build up some savings for future needs. Second, leave those funds alone so they can grow with the help of dividend earnings. Third, get a secured loan to cover some current expenses. On-time loan payments can boost your credit score, which can be a big deal moving forward.

Closed-End Option

  • Variable rate, 3.00% higher than the current savings rate
  • 12-month term
  • Balloon option available for larger share secured loans
  • Must pay off or “refinance” at the end of 12-month term
  • Maximum of five years for amortization

Open-End Option

  • Variable rate, 1.00% higher than Signature Line of Credit
  • Revolving balance allows you to access available balance for unplanned expenses.

CD Details

For CD-secured loans, the loan term can exceed maturity date if the CD is set to renew (maximum of five years for amortization).*

View FICO Credit Score

Keep tabs on this important number from Fair Isaac Corporation (FICO®).

  • Use Mobile Banking to monitor your FICO® Score.
  • Partner Colorado Credit Union provides your score (updated quarterly) based on information from your Experian credit report. 

Online Bill Pay

Managing and paying your bills is more efficient when you move the process online.

  • Instant payments
  • Set it up on your time
  • Better organization

Resources to move you ahead.

Resources to move you ahead.
Difference Between Signature Line of Credit & Credit Card

Helping you understand your options.

Learn More: Difference Between Signature Line of Credit & Credit Card
What Affects Your Interest Rate

Understand how interest rates work.

Learn More: What Affects Your Interest Rate
Calculate A Loan Payment

See how much you could pay monthly. 

Learn More: Calculate A Loan Payment
Online Bill Pay

Pay your loans on time and avoid fees.

Learn More: Online Bill Pay

Cannot secure against an IRA account. Certain conditions and restrictions may apply. All applicants subject to credit and income verification.