Shared Secured Loans

Shared Secured Loans

as low as 3.00% APR

Looking for a safe and affordable way to borrow while building or repairing your credit? At Rolling F Credit Union our Shared Secured Loans use your savings as collateral, giving you access to low rates and flexible terms—without dipping into your funds. It’s a simple solution that helps you establish credit history while keeping your money working for you.

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Loan Rates

How a Shared Secured Loan Works

  • You borrow against the money in your RFCU savings account.

  • Your funds remain on deposit, continuing to earn dividends.

  • As you repay the loan, your payments are reported to the credit bureaus—helping you build or improve your credit score.

  • Once the loan is paid off, you still have your savings intact.

 

Benefits of a Shared Secured Loan from RFCU

  • Low, Member-Friendly Rates – Because your savings secure the loan, you’ll enjoy some of the lowest rates we offer.

  • Build or Rebuild Credit – A great option for first-time borrowers or those repairing credit.

  • Protect Your Savings – Your funds remain in your account while you borrow against them.

  • Flexible Terms – Affordable repayment plans that fit your budget.

  • Local Service You Can Trust – As a community credit union serving Turlock, Modesto, and Stanislaus County since 1948, we’re here to help you succeed financially.

 

A Smart Path to Stronger Credit

Shared Secured Loans are a smart way to establish credit history, improve your credit score, and gain confidence in managing debt—all while keeping your savings safe.

Loan Protection Gives You Peace of Mind

The Rolling F loan protection products are designed to help you overcome any hardships that may come your way.

Help protect your loan payments against life’s unexpected events such as death, disability, or involuntary unemployment with Debt Protection.2

Ask to add Debt Protection when you visit The Rolling F.

Save money on your life, auto or property insurance and experience excellent service with TruStage Insurance.

Learn More

Don’t get caught in an accident without GAP Advantage with PowerBuy. If your car is totaled in an accident, GAP pays the difference between what you owe and what the insurance company says the car is worth.

Ask your Member Service Specialist for complete details.