Fully Secured Loan

Are you interested in building your credit history? Do you want to simultaneously access your money and maintain your shareholding? If you answered yes to either of these questions then a fully secured loan is what you need!


A fully secured loan is made on the basis of the borrower’s shares and / or fixed deposit to be used as collateral. 


  • Low interest rates
  • Higher eligibility for a loan
  • Multiple options for repayment
  • Improve your borrowing capacity
  • Easily approved
Happy TECU customer being assisted by smiling TECU officer

Interest Rate*


* All Interest rates calculated on reducing balance. All rates are subject to change without notice.

Maximum Repayment Period

5 years

Loan Ceiling

There is no limit on the amount to be requested.

Loan Requirements

  • Two forms of valid ID
  • Loan value not to exceed 95% of total available shares and / or fixed deposit
  • TDS limit of 50%

Loan Protection

TECU’s loans are fully insured by our Loan Protection plan. Upon death loans are insured as follows:

1-75 years$150,000.00
76-80 years$75,000.00
81-85 years$37,500.00
86 years and over$0.00

Call us today for up-to-date rates. Ask for a Loans Officer, who will be more than willing to assist you.

Ready to apply?

Apply for a Fully Secured Loan online.

Make an appointment with a Lending Specialist.

How much can I borrow?

Borrowing limit is dependent on the borrower’s collateral.  The loan value cannot exceed 95% of  total available shares and / or fixed deposit.

Make an appointment
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