We have seen an increase in attempted fraudulent activity. Please beware of texts, emails and phone calls generated by third parties impersonating the
    Credit Human Fraud Department. Learn More

    Credit Cards & Loans

    More ways to work toward your goals.

    Share Certificate Secured Loan

    When you have $1,000 in a Credit Human Share Certificate, put your funds to work by loaning money to yourself at a great rate.

    • Borrow $500 or more
    • Terms up to share certificate maturity
    • No credit review required
    • Single repayment option available


    Apply for Great Rates and Terms

    If you have at least $1,000 in a Credit Human Share Certificate account, we can help you manage upcoming expenses without dipping into your savings. A Share Certificate Loan lets you lend money to yourself at a great rate for a term not to exceed the maturity or renewal date of the certificate. You get a lower rate than with a signature loan, and flexible repayment options — including a single payment option. Meanwhile, your savings continue to earn interest and dividends.

    Apply Now

    Funds, Fast and Easy

    A Share Certificate Secured Loan saves you time with fast approvals and no credit check required. Credit Human makes it convenient and economical for you to lend money to yourself, maximize your earnings, and maintain your savings power.

    Easy Online Access

    When you have a Share Certificate Secured Loan with Credit Human, you get up-to-the minute information online, anytime — including current balances, transaction history, payment due dates, and more — when you sign up for online banking. You can even set up automatic loan payments from your Credit Human checking or savings account for the ultimate in convenience.

    LEARN MORE: Find out more about online banking and how you can sign up to manage your Credit Human Share Certificate Secured Loan as well as your other Credit Human accounts.

    Share Certificate Secured Rates

    Share Certificate Single Paid Note Max 12 months $500 APR 3% Over Share Certificate Rate
    Share Certificate Up to the Term of the Share Certificate $500 APR 3% Over Share Certificate Rate

    Rates are effective as of August 1, 2023

    Credit Cards & Loans

    View All

    Share Secured Loan

    With as little as $500 in a Credit Human savings account, we can help you free up the funds you need with a Share Secured Loan.

    Get Details

    Preferred Line of Credit

    This premium, unsecured credit line is designed for qualified SACU members who need access to higher credit limits.

    Get Details

    Checking & Savings

    View All

    Share Certificate

    Ready to work towards a savings goal? Consider a share certificate with flexible terms you choose.

    Get Details