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Share Certificate Loan

Share Certificate Loans are secured by the funds in your Share Savings Account or Term Share Certificate of Deposit Account, so you may qualify with lower scores than for other loans. Greater Texas Federal Credit Union members who need to establish, build, or repair credit can get a Share Certificate Loan at great rates and keep your savings intact. Personal loan benefits include:

Borrow Against Your Savings or Certificate

Get a loan of up to 90% of the funds you hold in your accounts.

Flexible Terms to Suit Your Budget

Choose a term of up to 60 months for an affordable monthly payment.

Low Rates and Fewer Fees

Enjoy a fixed APR and pay no Origination Fees and no Prepayment Penalties.

Establish, Build or Repair Credit

Qualify with lower credit scores because your loan is secured by savings.

Share Certificate Loan Interest Rates

Best For Borrowers who need to establish, build or repair credit
Amount Up to 90% of the value of your Savings or Term Share Certificate (CD) accounts for a loan repayment term of 36 months or longer.
For Share Certificates with 48 months or more left on its term, maximum loan advance is 75% of available certificate value.
Interest Rate As low as 4.49% APR*
Terms From 1 to 60 months
Fees None
Type Unsecured Loan, Fixed Rate

Apply Now

Why Finance With Greater Texas Credit Union

When you join a credit union, you’re joining a not-for-profit member-owned financial institution.

Greater Texas Credit Union is a cooperative, and our members all have something in common. Whether it’s where we work, go to school, worship, or the professional association to which we belong – we all have an equal say, no matter how many shares we have.

Use Your Share Certificate Loan for Any Purpose

Share Certificate Loans loans can be used in many different ways, including:

Home and Car Repairs

Buy a new household appliance or take care of mechanical issues.

Unexpected Expenses

Use your loan funds to cover all the costs outside your budget.

A Weekend Getaway

Take a quick break and recharge your batteries for work.

Build or Repair Credit

Make regular, timely payments and see your credit improve.

Apply for a Secure Share Certificate Loan Using Our Simple Portal



Apply Online

Just fill out an online application using our secure portal.



Quick Review

A loan officer will review your application and let you know a decision soon.



Finalize Details

After loan approval, sign loan documents via email or in person.

Get Started

Share Certificate Loan FAQ

  • Membership is required to qualify for our products and services. Fortunately, if you’re eligible for membership, joining is easy: a $5 minimum deposit in an account.

    Greater Texas Federal Credit Union membership comes with a range of benefits and discounts, as well as special access to various insurance and tax products and services.

  • You can become a Greater Texas Credit Union member if you live, work, worship or go to school in portions of the following counties:

    • Brazos
    • Bastrop
    • Dallas
    • Harris
    • Hays
    • Hidalgo
    • Bexar
    • Tarrant
    • Travis

    Also eligible for membership are businesses and other legal entities located in portions of these counties, as well as employees, faculties, and staff of the following educational institutions:

    • Texas A&M University
    • Texas State University
    • Bastrop ISD
    • Elgin ISD
    • Hays Consolidated ISD
    • Leander ISD
    • Northwest Lineman College

    Membership is also open to immediate family member(s) of individuals who are eligible to join, or if someone in your household is eligible to join.

    We define "household" as those individuals living in the same residence, maintaining a single economic unit. This can mean any permanent member who participates in the maintenance of the household (i.e. family members, domestic partners, foster children, legal guardians, and roommates).

  • Rates for Greater Texas Credit Union Share Certificate Loans may be as low as 4.49%* APR.

    For answers about specific term lengths and any additional considerations, you can consult with one of our experienced loan officers.

  • Your individual loan rate will vary based on your credit history and payment history. Borrowers who qualify for the lowest rate will have a better credit score than borrowers with less credit or lower scores. If you’re thinking of taking out a loan, be advised that a history of full, on-time payments tends to affect your credit score for the better.

    Your monthly payments will depend on how much you borrow and your loan rate. To determine how much your loan payment might be or how long it might take to pay off your loan, use our loan payment calculator and loan payment amount calculator.

  • When you consolidate your debts, you can sometimes reduce your interest payments and pay off your loans more quickly so you can get out of debt faster.

    If you’re considering debt consolidation, check out our calculator.

  • Absolutely. One of the benefits of borrowing through a credit union is that we’re invested in your success. When one member thrives, every member wins.

    In addition to our personalized customer service, we also offer financial education resources, including our library of articles and free personal financial coaching through KOFE.

  • Yes! We offer online and mobile banking for your convenience.

    Our digital banking services help you manage your accounts, make payments, transfer funds, and more. We also offer budgeting tools, a branch locator feature, and other resources. Set up automatic payments so that you don’t have to worry about missing a payment.

    You can also sign up to receive automated accounts with alerts about your account, as well as secure eStatements, with the ability to view up to twelve months’ worth of past statements online.

    In addition to online payments, you can pay in person at any branch, mail in your payments, or you can make payments over the phone for a $10 convenience fee.

  • We offer a range of financial products and services, including a variety of checking and savings accounts. The accounts available to eligible members include:

    • Free Checking
    • Student Checking
    • Essential Checking
    • Business Checking
    • Teen Checking
    • Gold Star Checking Club
    • Regular Savings
    • Term Share Certificates
    • Money Market Accounts
    • Christmas Club
    • IRAs
    • Health Savings Accounts
    • Coverdell ESAs

    Our loan offerings include not only personal loans, but credit cards, mortgages, auto and recreational vehicle loans and refinancing, home equity loans and lines of credit, boat and motorcycle loans, private education loans, and business loans.

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Lending Notice

New member applicants may not be eligible for unsecured loan applications for a period of 90 days. All unsecured loan applications may require additional review and verification during the application process.

No loan applications will be considered until membership applications have been completed and all information including identification verified.

Terms from 1 to 60 months. Borrow up to 90% of the value of your Share Savings or Term Share Certificate of Deposit (CD) accounts for a loan repayment term of 36 months or longer.

*APR = Annual Percentage Rate. Rates range from as low as 4.49% APR up to 18% maximum APR. All loans subject to credit approval. Rate and term to be determined based on creditworthiness. The rate will not increase while the loan is active. Refinancing of existing credit union loans do not qualify. Cannot be combined with any other offer. Credit Union Membership required with a $5 minimum deposit. Some restrictions may apply. Rates and terms are subject to change.

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