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Secured Loans: ULTIMATE GUIDE to find the best dealA share-secured loan, also known as a savings-secured loan, is a type of personal loan that's secured by the money in your bank or credit union account. If you need cash, dip into your savings without touching a cent. Pledge the funds in your account as collateral for a Savings Secured Loan. A First Tech Share Loan allows you to use the cash you have to build the credit profile you want. Rates as low as the savings rate plus %. Apply online.