Get the loan you need now. Keep your savings safe.

As your financial partner, we believe that everyone should have access to funds while still keeping their savings and future intact. A HeritageWest Share-Secured or Certificate-Secured Loan allows you to borrow on the balances of your Share Savings or Share Certificates.

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Benefits of a Share-Secured or Certificate-Secured Loan

  • You get the money you need while your Share and Certificate Accounts continue to grow
  • Because you’re borrowing on your own funds, this type of loan is an excellent way to improve or build your credit
  • You continue to earn interest while paying HeritageWest’s low, affordable rates
  • You benefit from longer loan terms and flexible due dates that fit your budget
  • Share-Secured and Certificate-Secured loan rates are usually 3.00% above the highest tiered rate, making them convenient and affordable

Requirements – Who is Eligible?

  • You must be a HeritageWest Credit Union member and have a Prime Share account (Not a member? Join us!)
  • Members must be 18 years of age or older
  • Loan amounts greater than $10,000 require a disclosure of the purpose of the loan, as required by the Bank Secrecy Act

Available for Prime Shares, Custom Shares, Money Market Accounts, or Share Certificates. Checking and IRA Certificate Accounts cannot be used to secure a loan.

Apply online in just a few minutes.

Our online application process is quick, easy, and secure. Use our application center to check on your loan status after you apply.