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担保 贷款

Your savings can be your ticket to building or rebuilding your credit.


储蓄担保贷款

储蓄担保贷款 are the perfect loan option to increase your credit no matter where you’re starting from.

For a quick, low-rate loan, use your savings as collateral! 用储蓄担保贷款, the money you already have on deposit is used as collateral, and you can borrow up to the amount you have in your savings with terms 最多60个月.

所有有担保的贷款都需要抵押品. For example, when you take out an auto loan, the car is used to secure the loan. 汽车是抵押品. Similarly, your home is considered the collateral when you get a mortgage or home equity loan.

证书担保贷款

有证书担保贷款, your Certificate of Deposit acts as collateral. 证书担保贷款 allow you to retain your investment while getting additional cash you may need. And since 证书担保贷款 are personal loans, you can use the money for almost any expense.

有证书担保贷款, you can borrow up to the amount of your share certificate, with the full amount due at the same time your certificate matures.

产品的好处

没有费用和低费率

开设或设立贷款不收取任何费用 固定低费率 at 2.4月50%.1

根据你的储蓄来借贷

You can borrow up to 100% of the money you have in your Patelco savings account or Certificate. 最低开户余额为300美元.

根据你的条件获得合适的贷款金额

申请储蓄担保贷款, choose a payment term that works for you to pay off the loan – from 6 to 60 months.

帮助你增加储蓄

Continue to earn interest on your 储蓄 or Certificate while you pay back the loan.

建立或重建你的信用

In addition to making your payments on time, a 担保 Loan itself can help raise your credit score.

担保 贷款

2023年2月16日生效

类型

术语

4月1

储蓄-担保 最多60个月 等于储蓄 2.50%
Certificate-担保 到期时到期 等于证书 CD率+ 2.25%

贷款 计算器

我能负担多少?

Calculations provided are for demonstration purposes only and do not guarantee credit approval for the rate and terms displayed.

常见问题

  • A secured personal loan is a good choice for building credit or repairing credit when you have money in savings or Certificate. Your monthly payment doesn’t change, and you pay a lower interest rate while your credit improves. A 储蓄 and Certificate 担保 Loan offers a lower, fixed rate than an unsecured personal loan because the loan is secured. It uses the money you have on deposit or in your Certificate as collateral, and can be a smart way to improve your credit.

    是的. It is a good option to help older teens and young adult children who don’t have credit. It can also help reinforce smart money management and careful budgeting.

    It’s a personal decision and one that varies based on preference and circumstances. Saving money can be tough – and you worked hard to build up your savings account. If you’re in need of cash for an unexpected expense or big purchase, you may consider borrowing against it with a 储蓄 担保 Loan. This way, when the loan is paid off with minimal interest charges, you still have your savings.

我们来谈谈

在Patelco, we put your financial wellbeing first and provide free financial coaching with a Patelco Certified Financial Specialist.2 Your financial specialist can help you create a personalized strategy so you can feel in control of your money and track your progress.

你的积蓄=更多的机会
Build or rebuild your credit with money from your savings account as collateral.

1 4月(年度百分比利率). All loans are subject to credit approval, restrictions apply, rates are subject to change. 贷款利率生效日期为2023年2月16日. Equal to the rate you are receiving on the certificate pledged as security at the time the loan is obtained, + 2.25%. 例子, 如果你得到10美元的贷款,000 with an interest rate % with no origination fee and make 36 monthly payments of $300.你的财务费用是811美元.62 which would make your total repayment amount $10,811.62.

2 Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member 美国金融业监管局/SIPC)和美国证券交易委员会注册投资顾问. 透过中心提供的产品: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. 帕特尔科信用合作社 has contracted with CFS to make non-deposit investment products and services available to credit union members.

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