Looking for the lowest loan rate possible? Secure your loan with your savings account or certificate and receive a loan interest rate that is just 4% higher that your current deposit yield. You may use deposits in your regular shares, special purpose shares, or certificates to secure the loan advance. Share Secured Loans are a great way to establish credit, rebuild credit, or simply save money with a low rate. Although your shares are used to secure the loan, they continue to earn dividends.