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Share Secured Loans

Build Your Credit With a Share Secured Loan

Share Secured Loans are a great way to borrow more money and keep your loan for a longer period of time. How? By letting your Savings Account work for you. Our Shared Secured Loan solution allows you to borrow funds that are secured by your Savings Account or Share Certificate.

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Debt Protection

Debt Protection will cancel your balance or payments in the event of your death, disability, or involuntary unemployment. You can add it to an existing White Rose Credit Union loan at any time. 

Speak to one of our representatives to learn more.

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Access Your Accounts Anywhere

A full lineup of online services is available to compliment your banking experience and offer you the convenience of your finances at your fingertips. Transfer funds to and from your various savings accounts, pay your WRCU loans, and check your balances in seconds.

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We are proud to offer personalized service. Speak to any of our representatives to learn more about our loan products and discuss your goals at no cost.

Loan Type 
Term 
APR* 
Share/CD Secured Loans
Loan Type 
Term 
APR* 
60 Month Shared Secured
Loan Type
60 Month Shared Secured 
Term
up to 60 months 
APR*
2.99% 
120 Month Shared Secured
Loan Type
120 Month Shared Secured 
Term
61 – 120 months 
APR*
3.99% 
Certificate Secured**
Loan Type
Certificate Secured** 
Term
N/A 
APR*
CD Rate + 1.75% 

*APR = Annual Percentage Rate. All rates are based on “A+” credit and requires autopay. Rates effective as of 5/21/2024. All rates are subject to change without notice.

** Term not to exceed CD maturity rate.

Got Questions? We Have the Answers
How do I apply for a loan?

You can apply online or in-person for any of our loan products.

What documents do I need?

Your initial application requires identification and proof of income. Depending on the loan type and situation, our lending team may reach out for additional documents.

How can I pay my loan?

We offer various convenient payment options for your White Rose Credit Union loan, including our Online and Mobile App, automatic transfers, ACH origination, check or money order, in-person payments and night deposit drop boxes at select branches.

What if I can’t pay my loan?

Our Lending Department is available for your assistance if you run into hardship with your loan. There are various options and solutions available to our members during tough times. You can reach our Collector at 717-755-7309 for assistance.

Do you offer payment protection?

We offer Debt Protection on our loans to provide assistance in the event that you become unable to pay your loan due to death, disability, or unemployment.

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