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Use funds in an eligible Floridacentral savings account or share certificate to secure your loan. You’ll get financing for what you need next, while your pledged savings stay on deposit and may continue earning dividends according to the account’s terms.
A Floridacentral Secured Loan uses available funds in an eligible savings account or share certificate as collateral. Your pledged funds remain on deposit while you repay the loan and may continue earning dividends according to the account’s terms.
Our secured loans have low rates, so you can affordably fund any dream, goal, or plan.
A secured loan may be an option for first-time borrowers or members working to rebuild their credit. Making payments on time and managing the loan responsibly may help establish a positive payment history.
Payment protection options may be available to help with eligible loan payments following certain covered life events. Ask a Floridacentral lending specialist about available coverage, costs, eligibility, and exclusions.
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Pledged funds remain in the eligible savings account or share certificate and may continue earning dividends according to the account’s terms. Contact Floridacentral to confirm how pledging funds may affect your specific account.
Approval requirements still apply, but using savings as collateral may make a secured loan a more accessible option for some first-time borrowers or members rebuilding credit.
Yes. Eligible Floridacentral share certificates may be used as collateral for a secured loan. The amount you can borrow depends on the eligible funds available to secure the loan and other lending requirements.
The funds used to secure your loan remain pledged as collateral and may not be available for withdrawal while they are securing the outstanding loan balance. As you repay the loan, access to pledged funds may depend on the terms of your loan and account.
The amount you may be able to borrow depends on the eligible funds available in your Floridacentral savings account or share certificate, along with applicable lending requirements.
Visit our Help Center for more frequently asked questions or contact our team. We’re here to answer your questions and help you determine whether a secured loan is right for your financial needs.
