The loan that has your certificate working double duty.

A no-fee Certificate loan uses your Share Certificate as collateral allowing you to continue to earn dividends and avoid any early withdrawal penalties.


As low as 3.00% APR Pricing is based on savings account or certificate rates plus Certificate Rate

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Certificate Secured Loans

A great loan for those who:

  • Have a First Tech Share Certificate
  • Want to avoid an early withdrawal penalty
  • Want a fixed monthly payment
  • Want to borrow between $500-$500,000 to consolidate debt or pay for a vacation

What you'll get:

  • Fixed-rate
  • Fixed-term loan

Reap the benefits.

Checkbox Flexible financing options

  • Borrow as little as $500
  • Loan terms up to certificate maturity date

Checkbox Quick and easy loan application

  • Online loan application
  • Digital document delivery
  • Fast loan decision

Checkbox More money in your pocket

  • No pre-payment penalty
  • No application or origination fee
  • No annual fee