Share Secure Loan

Build credit while you borrow.

Share Secured Loan 101

Establish or build your credit while funding your everyday needs. Using your own existing savings as collateral, you can borrow safely and gain a healthy credit score — all while continuing to earn dividends on your savings.

Two birds, one loan.
When you use an existing Fortera Share Savings account or Share Certificate as collateral to back your Share Secured loan, there’s no fear of default, so the only way your credit score will go is up. Plus, using your existing Fortera account to fund the loan will lower the rate you pay on the loan (win) while you continue earning dividends on your savings (win). Not to mention, there are no prepayment penalties, you can apply for free, and you’ll pay simple interest only. Call us biased, but the Share Secured loan is one of our favorite ways to help our members grow.

Loan Benefits

Always in your pocket

On the couch or on the go, keep your money close with our Mobile App and Online Banking.

Where you go, we go

Credit Unions around the world work together to make sure our members can use branches and ATMs everywhere — surcharge-free. Nice, right? Download our CO-OP app and plot your next getaway.

Goal setting made simple

Our skilled experts are easy to reach and happy to help. For members and non-members alike, meetings and consultations are always free, so make the most of your money, on us.

Rest easy

With us, your money is always protected and insured by the National Credit Union Administration. You’re covered on all deposits up to $250,000, so save away.

Get by with a little help

Or even a lot. Either way, we’re here. Call, text, or chat with our experts anytime you need a friend who knows all things Fortera.

Get Started

Make a move toward solid credit, and all of your financial goals — apply today.

Member Resources

Show me the quick links! These are the things we always seem to need and can never seem to find.

Credit Life, Disability, and Unemployment Protection
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Ensure that you and your loved ones are financially secure even if unplanned accidents happen. Add MEMBER'S CHOICE payment protection on your loan. The protection steps in when your family needs help making your loan payment should you become disabled due to a covered illness or injury, become unemployed, or pass away before paying off your loan.

Sorry to bring the mood down, but we've got to talk safety first. If you have a question or would like to add MEMBER'S CHOICE to your loan, email us and we will be happy to help.

Submit a Payment Protection Claim
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Need to submit a claim? No problem, we've got you covered. You can submit a claim at myclaim.cunamutual.com. If you have any questions, please text us at 931.431.6800 or email us at info@forteracu.com and we will be happy to help.

Document Checklist for Personal Loans
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To verify your identity, we always ask that you come prepared with a government-issued ID. It is important that it is not expired. Examples of acceptable IDs include a State Driver's License or a U.S or Foreign Passport. If we have trouble validating your ID, we may ask for a secondary ID. If you have a question about whether or not an ID can be used, just text us at 931.431.6800.

In addition to identification, you will also need to bring:

  • Income verification

Have questions? Just email us.

Need a hand?

That's what we are here for! Give us a call and let's chat face-to-face.

What is a Share Secure Loan?
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A Share Secure Loan is exactly what it sounds like - It's a loan secured with and share product. When you break that down, it means that you are getting a loan that is backed by money you already have saved in a Certificate or Savings Account. That means you don't risk missing payments for unexpected reasons.

Who is a Share Secure Loan good for?
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We would definitely recommend this loan to our members who are new to credit. If you just need to establish and build up credit for the first time, this is an easy, stress-free way to do so. It is also a good solution for members hoping to repair their credit.

What should I use a Share Secure Loan for?
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This loan is a great option for members who need to focus on credit repair or building credit for the first time. By making regular loan payments, you improve your score over time.

Document Checklist for Personal Loans
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To verify your identity, we always ask that you come prepared with a government-issued ID. It is important that it is not expired. Examples of acceptable IDs include a State Driver's License or a U.S or Foreign Passport. If we have trouble validating your ID, we may ask for a secondary ID. If you have a question about whether or not an ID can be used, just text us at 931.431.6800.

In addition to identification, you will also need to bring:

  • Income verification

Have questions? Just email us.

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What's New

Nitty, gritty, and super important.

Fine print is your friend. When you have a minute, give these a good read:
Member Service Agreement
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Privacy Policy
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