Deposit Secured Loans

Your balance proves you can save money. Our loan proves you can save money.

CD Share Certificate (e.g. CD)

A Share Certificate can be used as collateral for a loan. The interest rate is cost effective, because it is based on the Annual Percentage Yield of the CD. The loan's term is flexible within the term of the certificate. Best of all, you continue to earn back interest on your certificate during the entire term of the loan.

  • Competitive interest rates (based on CD term and rate)
  • Loan rate based on CD's effective APY rounded up to the nearest .25% plus 2%*
  • Financing in minutes
  • Financing secured by your Share Certificate
  • Maximum loan amount based on Certificate Account available balance
  • Terms up to 60 months
  • Auto payments via direct deposit and account transfer available

Savings Secured Loan

A Savings Secured Loan from CommunityAmerica allows you to get a great rate on your loan, while earning interest on your deposit.

  • Loan rate based on Share Savings effective APY rounded up to the nearest .25% plus 2%*
  • Some of our lowest interest rates available (based on applicant credit)
  • Financing in minutes
  • Financing secured by your savings account
  • Terms up to 60 months
  • Maximum loan amount based on Savings Account available balance
  • Auto payments via direct deposit and account transfer available
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