Shared Secured

Secure your loan with the funds on deposit in your credit union share savings account to earn a low interest rate on your loan and dividends on your share account.  A $5.00 application fee, per applicant, is waived should you be approved and accept the loan disbursement.  We offer easy and convenient financing.  Apply (new window/tab) online 24/7!

  • No fees to apply
  • Prepay your loan at any time without penalty
  • Excellent product for those who wish to establish credit history and improve their credit history
  • Choose the repayment term that fits your monthly budget
  • Member’s Choice Credit Disability and Credit Life Insurance (PDF – new window/tab) coverage available
  • 0.25% Loan Loyalty discount on our current rates for members who have a current loan with HEFCU in good standing and/or a HEFCU loan paid within the past 18 months
  • Payroll deduction/direct deposit available for repayment
  • View our current rates

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Call the Loan Department at (800) 624-3312, option 3, for further details