Secured Loans

If you have a savings or certificate account at Redstone, you can use it as collateral for a Shares Secured or Certificate Secured Loan without taking the money out of your savings. And that money continues to accrue dividends!

Or perhaps an Annuity Secured Loan is a better option for you - we offer that too!

Share Secured Loans

  • Variable rate based on share rates
  • Secured by your Regular Savings Account only

Certificate Secured Loans

  • Finance up to certificate amount
  • Fixed rate based on certificate rates
  • Loan term not to exceed certificate maturity

Annuity Secured Loans

  • Finance maximum 90% of annuity amount
  • Fixed rate


Must be an RFCU member to obtain a loan. All loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. Other restrictions may apply. RFCU is an Equal Credit Opportunity Lender. APRs are determined by an evaluation of applicant credit at account opening. Your APR may be different. Fixed APRs are fixed for the life of the loan and variable APRs are subject to change after consummation. Share, Certificate, and Annuity funds used to secure loans may not be available for use.

Open an Account Today

To open this account, please visit any branch or call 800-234-1234.

Branch Locations

Can't find what you're looking for?

Telephone our Member Connect
Center at 800-234-1234
Monday – Friday: 7 am – 7 pm
Saturday: 8 am – 5 pm