Join Us or Call/Text:
(925) 939-5626
Routing Number: 321178446

Share Secured LoansLooking to build your credit?

Start Your Application

KAIPERM Share Secured Loans

A Shared Secured Loan uses funds from your savings account as collateral, which allows us to offer you a lower interest rate while you earn dividends on your savings account balance. Enjoy low monthly payments, extended terms up to 12 years and no fees or pre-payment penalties. Pay off existing high-rate debt, make purchases for household needs and more.

  • Build or repair your credit history
  • Low, fixed rate
  • Easy application process
  • Borrow against the funds in your credit union Savings Account(s)
  • No prepayment penalties or hidden fees


Loan Payment

Monthly Payment


Semi-monthly: $    |   Bi-weekly: $




Today’s rates
Share Secured Loans

Rate Effective Date: June 1, 2024

TypeAPR* As Low AsDescription
Secured by your Kaiperm Savings Account3.25% + Savings Dividend RateView current deposit rates
Secured by your Kaiperm Certificate3.00% + Certificate RateView current deposit rates

* APR – Annual Percentage Rate is subject to change and may vary depending on evaluation of credit history, so your rate may differ.


Start Your Application

Explore Our Financing Products & Services

A Safe Place for Your Money

Member deposits are now insured up to $1,000,000

Learn more

Skip to content