Securing your loan with a Share Certificate is a smart way to use your money to its fullest potential. Borrow at a great rate, while earning the highest possible dividend.       Certificate Secured loans are two points above the purchased certificate rate used for collateral, with a minimum rate of 2.00% below the current prime rate.     And best of all, YOU select the term.  Use these loans for any reason and borrow up to the value of the certificate.     Call or email our loan department today. We'll be happy to discuss this or any other loan product you may need.