Do you have assets that you would like to pledge as collateral? Then a secured loan may be right for you. Whether you are looking to purchase a new equipment, a motorcycle, boat, recreational vehicle or even a plane, we can help you!
Most common secured loans cover:
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Equipment
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Watercraft (boat, jet skis)
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RVs (motor homes, travel trailers, campers, ATVs)
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Motorcycles
Other secured loans we offer:
Certificate Secured Loan*
If you currently have a term share certificate with HTFFFCU, this loan is available to you. With the interest rate only 2% over your existing Term Share Certificate rate, this loan allows you to borrow against 100% of the balance of your Term Share Certificate. And you are not losing any dividends you have already earned - you can continue to earn them
Share Secured Loan*
With this loan you are allowed to borrow against 100% of the balance of your saving account (minus the initial $5 deposit) at only 3.25% APR. The funds are secured by the money in your savings account but you will continue to earn dividends.
Secured Loan Rates updated as of February 2, 2026.
| Loan Type | Term In Months | Fixed Rate APR* |
| Boats, RVs, Equipment, Motorcycles, Jet Skis, Travel Trailers, Campers, Motor Homes and Other Vehicles excluding New and Used Cars, Trucks and SUVs | 1-48 | 5.00% - 12.00% |
| 49-84¹ | 5.50% - 12.50% | |
| 85-180¹ | 9.50% - 16.75% | |
| Share Secured Loan | N/A | 3.25% |
| Certificate Secured Loan | N/A | 2.00% above highest variable |
The payment examples below are based on a 10K secured loan for terms ranging from 24 months to 48 months
EMP stands for Estimated Monthly Payment. Rates will vary depending on credit score.
| Credit Score Range | LTV Restrictions | Interest Rate | EMP for 24 months | EMP for 36 months | EMP for 48 months |
| 700+ | Max LTV is 130% $5,000 over NADA retail value | 5.000% | $438.70 | $299.71 | $230.30 |
| 650-699 | Max LTV is 130% $4,000 over NADA retail value | 6.000% | $443.18 | $304.22 | $234.86 |
| 600-649 | Max LTV is 130% $3,000 over NADA retail value | 8.000% | $452.24 | $313.36 | $244.14 |
| 550-599 | Max LTV is 110% Minimum contribution is 10% | 10.000% | $461.40 | $322.67 | $253.63 |
| Below 550 | Max LTV is 110% Minimum contribution is 10% | 12.000% | $470.68 | $332.14 | $263.35 |
¹Longer terms may be restricted by the dollar amount of the loan. Ask a Credit Union representative for details.
All rates are subject to change without notice. Some restrictions apply.