Due to staff training, our branches and contact center will be opening at 10:30 am on Thursday November 6, 2025. (City of Industry branch will open at 10:00 a.m.)

We’re committed to continuously improving our service to better assist you!

You may access your accounts through our online banking or mobile app for balance inquiries, transfers, bill payments, and more! Thank you for your patience and we look forward to assisting you soon.

Security Reminder: Eagle staff members will NEVER call, text message, or email you to confirm personal or confidential information. NEVER share your Online Banking Login ID, Password, or Secure Access Code over the phone or online.

Parking Lot Closure Notice – Foothill Ranch ATM

Please note that the ATM and parking lot at our Foothill Ranch Corporate Office (27042 Towne Centre Dr., Foothill Ranch, CA 92610) will be fully inaccessible on Saturday, November 1st and Sunday, November 2nd due to scheduled maintenance.

We appreciate your understanding and apologize for any inconvenience.

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Share-Secured Loans

Home > Borrow > Personal Loans > Share-Secured Loans

Build Your Credit Safely with Eagle’s Share-Secured or Certificate-Secured Loans

Eagle Community Credit Union offers a smart and secure way to borrow while leveraging your own savings with our Share-Secured and Certificate-Secured Loans. Whether you're looking to build your credit history or need funds without depleting your savings, these loans provide an ideal solution.

Key Benefits:

  • Borrow Against Your Savings: Access funds secured by your Share or Certificate accounts at Eagle, while your investment continues to grow.
  • Avoid Early Withdrawal Penalties: Keep your savings intact and avoid penalties by borrowing instead of withdrawing.
  • Low-Cost Borrowing: Enjoy low rates with payments just a small percentage over your investment rate.
  • Credit-Building Opportunity: Safely build or improve your credit history with a loan backed by your own savings.

With Eagle’s Share-Secured or Certificate-Secured Loans, you can borrow with confidence, knowing your savings continue to work for you while you achieve your financial goals.

 

Share-Secured Loan††
Effective Date: Sunday, November 2nd, 2025
TermAPR*Financing
Up to 60 Months 3.25% over savings rate 100%
*APR=Annual Percentage Rate. Your APR is determined by your credit qualifications.
††MasterCard Credit Builder Credit Card and Share/Certificate Secured Loan is secured by deposit into a Credit Union Share.

Certificate-Secured Loan††
Effective Date: Sunday, November 2nd, 2025
TermAPR*Financing
Term of Deposit 3% Over Dividend Rate 90%
*APR=Annual Percentage Rate. Your APR is determined by your credit qualifications. All rates quoted DO NOT include the rate discounts available Interest rates are subject to change without notice. No application fees on consumer loans.
††MasterCard Credit Builder Credit Card and Share/Certificate Secured Loan is secured by deposit into a Credit Union Share.

 

Apply for a Share-Secured or Certificate-Secured Loan Now

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