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Share-Secured and
Certificate-Secured Loans

At D.C. Teachers Federal Credit Union, you can use your accumulated savings or share certificates as collateral for a loan. The interest rates for share- and certificate-secured loans are the lowest ones we have available. And you continue to earn dividends on your savings during the term of the loan. Best of all, when your loan is paid off, your savings are still there.

The rate for a certificate-secured loan will be 2% above your certificate's rate. Call the credit union for the current share-secured loan rates.

To apply for a Share- or Certificate-Secured loan, print out the application, complete it and return it to the credit union in person, by fax or by mail with your two most recent paystubs as proof of income. Be sure to check "Share- or Certificate- Secured" as Type of Loan.

Use our Debt Checkup Calculator to determine your debt ratio (the ratio of your debts to your income). This can help you determine if you might qualify for a loan.

Use our Loan Calculator to see how much your payments would be on a loan or how much you can borrow at a certain payment amount.

Use our Loan Comparison Calculator to compare interest rates and loan amounts. Increase the rates incrementally and see what your payments would be for different loan amounts.

Account Terms, Disclosures & Agreements


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    Your savings federally insured to at least $250,000
and backed by the full faith and credit of the United States Government - National Credit Union Administration, a U.S. Government Agency
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