Texas Telcom Credit Union becomes America's Credit Union on July 1, 2025

While there may be brief service interruptions during this transition, we’ll be open during our usual business hours, with our drive-thru closing at 5 PM on July 1 only. And don’t worry—your transactions are expected to continue without disruption. We appreciate your patience throughout the day.

Share-Secured Loans

Build your credit by borrowing from yourself.

Share-Secured Loans. Savings-Secured Loans. Certificate-Secured Loans.

For these types of personal loan, you pledge deposits in your savings account or certificate as collateral to secure an installment loan. Your deposits stay in place while you repay your loan.

Save on a lower interest rate vs. an unsecured personal loan
Start to build or rebuild a strong credit history
Fixed interest rate and monthly payment
Share-secured loan term up to 60 months
Certificate-secured loan term up to the certificate maturity
No application or prepayment fees

Apply for a Secured Loan

See Share Secured Loan Rates

Secured Loan

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