Share & Certificate Secured Loans

Put your Russell Country savings to work full-time!  Use your Shares or a Certificate as collateral on your loan, and you’ll continue to earn dividends on your savings while enjoying the benefits of a lower interest rate on your loan.  Here’s how it works:

Certificate Secured*

  • Use up to 100% of the Certificate
  • balance to secure your loan
  • Choose a monthly payment or a one-time single payment
  • Loan rate is based at 2% above your Certificate rate and then rounded up to the nearest .25%.

Share Secured*

  • Use up to 100% of the Share balance to secure your loan
  • Loan terms up to 60 months
  • Loan rate is based at 3% above the Share rate**

And, to protect your loan from life’s unfortunate circumstances, our Loan Protection may be just what you need.

Loan Protection

 

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*IRA Shares and Certificates cannot be used as collateral. **Minimum rate is 3.5% APY.