Secured Advantage Federal Credit Union
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For a better way to bank, Secured Advantage Federal Credit Union offers different types of mortgages, car loans, unsecured loans and credit cards.

We’re serious about helping you find the most affordable loan option to solve your problems and achieve your dreams. With almost every loan, we offer the option to protect your financial future with credit and life and disability insurance. We offer the convenience of applying in person, online or by phone.

Click here to apply now!

Auto Loans:

When it comes to buying a car, there are lots of potholes to avoid. High interest. A payment you can't afford. Terms you don't understand. They can all make for a rough road and some nasty surprises.

When you get pre-approved at Secured Advantage before you shop, you can browse with confidence knowing you won't pay too much. Whether you're in the market for a new or used car, you want to feel confident that you're getting the best rate and a payment you're comfortable with. 

If you aren't shopping but still want to save, we can help with that, too! Move your auto loan to Secured Advantage and we'll help you save with a better rate and lower payment.

So, if you're buying or refinancing a new or used car, talk to us. We have flexible terms and 60 days with no payments!


Ready to get started? Apply in person or online!


Click here to download our Guide to Avoiding Potholes in Car Buying.



According to, car buyers who do not get pre-approved for an auto loan before shopping pay up to 2% more in interest than those who do. We can help you get the best deal on financing with a monthly payment you can afford before you even start shopping.

Already have a car you love? We can help you refinance your auto loan from another financial institution. We offer big savings with a lower interest rate and/or lower monthly payment! You can refinance a new vehicle up to 84 months or a used vehicle for up to 72 months.

If you need information on a vehicle, please feel free to check out the Chrome Carbook, NADA, or Kelly Blue Book!

*APR=Annual Percentage Rate. Not all members will qualify, loan approval subject to credit approval. See credit union for details.

Personal Loans:

According to, interest rates on payday loans can be upward of 400% APR*. Many larger banks don’t like to lend smaller amounts because they are not cost-effective (like that matters when you need it).

Our Ready Reserve Loan gives you a less expensive alternative for loan amounts from $500 up to $10,000. Apply today and have your Ready Reserve Loan on hand and ready for when you want to use it.

Home Equity Line of Credit:

If you want the flexibility to access funds for large expenses, now and in the future, a Home Equity Line of Credit is the best option for you. Whether it’s money for college tuition, home improvements or other large expenses, the equity in your home will provide the money you need. We know you. You know us. That’s the advantage that makes the process smoother and simpler at Secured Advantage.

Ready to get started? Click here to apply now!

Secured Advantage’s Visa Credit Card Program

Welcome to Secured Advantage’s Visa Credit Card program!  We’re very excited to offer this product to you!  It was designed with you in mind: low rates, great perks and 24-7 assistance!  We even provide free balance transfers!

We have all of the information you need to get started right here:

Our Customer Service Center number is 866-205-8310 or They can be reached 24-7 and are available to help you with any questions or concerns you may have regarding your account.

In addition to competitve rates and stellar service, our Visa Card program comes with the advantage of UChoose Rewards. This program allows you to build rewards points as you shop. It also allows you to join your family’s other SAFCU credit and debit cards together so that you can pool points and earn rewards faster! The first time you use your SAFCU Visa credit card, you’ll earn 1,000 UChoose points!

Log onto or call 877-557-8543 to get started!


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This credit union is federally insured by the NCUA and is an Equal Housing Lender.
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