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Use Savings as Collateral for Lower Rates

Using the money you have in your Priority Plus FCU savings or certificate accounts as collateral benefits you in two ways. First, your borrowing interest rate is much lower than a traditional personal loan; and secondly, your savings money continues to earn the higher and compounding dividends.

  • Share Savings-Secured
    • 2% APR above the current dividend rate
    • Use all or part of your savings as collateral making your loan options limitless
    • Terms up to 60 months
  • Share Certificate-Secured
    • 3% APR above the current dividend rate
    • Loan will match your certificate in amount and term

Secured Loan Rates

Effective March 1, 2017
Loan TypeMax AmtMax TermAPR* as low as
Share Savings-Secured100% of Share Balance60 moDividend + 2.00%
Certificate-Secured100% of Certificate BalanceRemaining Certificate TermDividend + 3.00%
*APR = Annual Percentage Rate.

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  • This is the best federal credit union that I know. I will tell anyone and everyone about Priority Plus. The service is excellent – please come check it out!

    — Diana T. May 14, 2021
  • The service is great and the staff is very accommodating. Thank you [Priority Plus] for being here for me!

    — Sakeenah S. February 25, 2022
  • The online banking and mobile app are great! Fast and simple fingerprint access. Highly recommend!

    — Frederick C. June 10, 2022
  • Wonderful people, helpful and quick to respond. Great online services!

    — Melanie Jianniney December 9, 2016
  • I knew I made a great decision because the employees were the friendliest and most knowledgeable people I have met. I had nothing but a positive experience with them during my time in Wilmington.

    — Norwood August 29, 2013
  • I was impressed with the competitive interest rate they offered for my car loan. They beat out the big guys! ... They provide excellent customer service that's very well personalized and professional.

    — Missy White July 7, 2013