Secured Loans


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:

  • Equipment (tractors)

  • Watercraft (boat, jet skis)

  • RVs (motor homes, travel trailers, campers, ATVs)

  • Motorcycles

  • Aircraft


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 December 1, 2018

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 1-24 2.95% - 10.10%
25-361 3.10% - 10.60%
Share Secured Loan N/A 3.25%
Certificate Secured Loan N/A 2.00% above highest variable

1For rates beyond the 36 month term please contact us.
All rates are subject to change without notice. Some restrictions apply.