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Share Secured Loan

Get back on your feet with our risk-free Share Secured loan.

  • Overview
    • Save money with low rates and flexible terms
    • Save time with quick application and approval process
    • Get peace of mind with payment protection option
    • Get peace of mind knowing you are building credit

    Share Secure Loans

    Use your savings or share certificate as collateral. Enjoy a lower rate with funds that can be used for various purposes including vacations, home repairs, and debt consolidations.


    Monthly Payment

    Loan Amount
    Term Months

    Loan Protection

    Astera has partnered with SWBC to bring you three amazing products to help you should times get hard. Click here to learn how to protect your money from bumps in the road.

  • Rates


    Share Secured Loan

    to 60 Months on share or certificate maturity3.0 points over dividend rate

    *APR=Annual Percentage Rate. Rates and term are subject to change without notice.

    Unsecured Loan

    12-36 MonthsAs low as 9.49% APR*
    37-48 Months As low as 10.49% APR*
    49-60 MonthsAs low as 11.49% APR*
    61-72 Months As low as 12.49% APR*

    *APR=Annual Percentage Rate. Rates and term are subject to change without notice.

  • FAQs

    Frequently Asked Questions

    Sometimes you still can qualify with bad credit. Loans are based on your credit history not necessarily your credit score. Call us today, to discuss your options at 517-323-3644.

    To check the status of a loan application you must call 517-323-3644.

    Astera's Audio Banking gives the member banking over an automated phone service. There is only one simple application to complete. Choose your four-digit personal identification number (PIN), and you're ready to go. Use any touch-tone phone and perform a variety of transactions including loan calculations. Once you have your PIN, you can access Audio Banking by calling toll free at 1-888-222-8868. To view our Audio Banking Guide, click here.

    You are also able to utilize Online Banking or Mobile Banking in order to process the payment. A payment can be made by transferring funds to the appropriate loan. These payment methods are free of charge!

    To contact us please submit a question using the button below. A Member Service Representative will get back to you as soon as possible. Or, you can contact us at 517-323-3644.

Share Secured Loans

A great way to build or rebuild your credit.

Apply now