Cash Secured Loan
Our lowest-rate loan — borrow against your own savings while your money keeps earning.
Built for real Trelawny life
Need funds but do not want to break your savings? A Cash Secured Loan lets you borrow against your shares or deposits at our lowest rate, while your savings stay intact and continue to earn.
It is the smart, low-cost way to access cash for a short-term need — and a great way to build or rebuild your credit history with TCCU.
Key features
- Lowest rate we offer. Secured by your own funds — ask us for the current rate.
- Savings keep earning. Your pledged shares/deposits stay invested.
- Fast and simple. Minimal paperwork — among our quickest approvals.
- Build your credit. A clean repayment record strengthens future borrowing.
Who it’s for
- Short-term cash needs without breaking savings
- Building or rebuilding credit history
- Bridging to a fixed-deposit maturity
Do you qualify?
- TCCU membership in good standing
- Sufficient savings/shares to pledge
- Loan amount within the secured limit
What to bring
- Valid ID and TRN
- Proof of address
- Authorisation to lien the pledged savings
How it works
Pledge your savings
Choose how much of your shares/deposits to secure the loan.
Borrow at 7%
Access funds quickly at our lowest rate.
Keep earning
Your pledged savings stay invested and keep growing.
Repay & release
As you repay, your savings are freed back up.
“I borrowed against my own savings at 7% instead of cashing out my fixed deposit. Best advice I got all year.”
Other ways to borrow
Ready to apply for your cash secured loan?
Start online or visit a branch. A friendly loan officer will guide you from estimate to approval.