Share Secured Loans are a perfect way to establish or rebuild credit. If you have funds to deposit, you may want to consider a Share Secure Loan. 

How a Share Secured Loan Works

  • Funds are deposited into a savings account.
  • Money is dispersed to you as cash, check, VISA or deposit.
  • Monthly payments required.


  • No minimum amount required.
  • Your choice of term length from available Share Certificates.
  • APR on loan is 3.00% higher than savings account interest rate.
  • Option to place funds on a VISA and use as a prepaid card.
  • Earn income on deposit.
  • No initiation or prepayment fees.


  • Membership and eligibility.
  • Credit approval.
For questions or to apply, call 801-456-7000 or 1-800-326-3328, M-F, 9 am-7pm, Sat. 9-2pm, or visit a Deseret First Branch

Apply Now

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