Borrow Against Your Investments, Without Having to Sell

Man typing on keyboard with coffee on tableWhen you invest in the stock market, you can take advantage of using your stock certificates as collateral for a loan at your credit union. It may allow you to benefit from your investments, without having to sell the stock, to finance a new purchase or upcoming expenses.*

With this loan, you have the choice of a fixed rate loan or a deferred payment loan where principal and interest are due at the expiration of the loan. Stock listed on the New York Stock Exchange may be used as collateral, where the maximum loan will be 75% of the stock's value. All stock loans require a minimum loan amount of $500.

How to Apply:

  • Apply online
  • Stop by your local branch office
  • Call us toll-free at 1-800-622-5305

All terms and conditions are subject to change without notice. For online loan requests, we'll contact you within one business day to complete all necessary loan paperwork and to discuss the method for disbursing your funds, if approved. For some loans, we offer the option to sign your loan documents electronically. You must be a current member of Carolinas Telco Federal Credit Union (CTFCU) to be eligible for a loan or credit card. If you have a current CTFCU Visa® Platinum Credit Card and want to switch to the CTFCU Visa® Platinum Low Rate Credit Card, select that credit card on the application. All services including loans, credit cards, and checking accounts are subject to approval. * APR = Annual Percentage Rate. The rates appearing here are accurate as of the effective date: July 15, 2019. All terms and conditions are subject to change without notice. The Annual Percentage Rate you receive may vary, based on certain individual creditworthiness criteria. Currently, our rates range from the rates shown, up to 18.00%. For information regarding the rate you may qualify for, contact the credit union at 1-800-622-5305. All services including loans, credit cards, and checking accounts are subject to approval.