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Share Secure

Share Secured Loans are guaranteed by the balance in your TopMark Savings Account or Certificate. Your Savings balance must always be equal to or greater than the balance of the loan. Because this type of loan does not require a verification of income or credit review, disbursal of funds can be immediate upon signing the loan documents.

The maximum loan amount is equal to the available balance in your Savings or Certificate Account. The interest rate for all Share Secured Loans is calculated at 3% above the annual percentage yield (APY) of your regular savings account.

Loans secured by a Certificate must be repaid before the certificate matures or the renewal of the certificate must be the length of the loan. The interest rate on all Certificate Loans is calculated at 2% above the annual percentage yield (APY) of the certificate. 

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