Bay Federal Credit Union

Secured Personal Loans

Get our lowest rates by using your own money as security. This is a great way to build or repair your credit, and to learn about the borrowing process.

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How does it work?

How does it work?

  • Your secured loan will be backed by money in your Bay Federal Savings or Certificate of Deposit Account, which will be “frozen” and earn dividends.

  • Meanwhile, you may borrow up to 100% of your balance.

  • No previous credit is required.

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