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Certificate Loan

A way to get to the value of your certificate without the penalty of cashing it in early—at a low interest rate

Apply for a Loan

Or call 1-800-621-2105

Make a Loan Payment Continue Existing Application

Certificate Loan


  • Lower interest rate than many other conventional loans
  • No-fee loan
  • Good way to establish credit, allowing for future credit opportunities
  • Convenient terms up to your certificate maturity date


  • Borrow at 2%1 above the rate you are earning on the Elements certificate you are using as collateral
  • Borrow up to the full amount of your certificate rather than cashing it in to avoid early withdrawal penalties
  • Plan better with a fixed monthly payment


Our experienced, helpful member service team is ready to support you!


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Certificate Loan

A no-fee Certificate Loan uses your certificate as collateral, allowing you to continue to earn dividends and avoid any early withdrawal penalties.

Online and Mobile Banking


Easily manage your loan activity with Online Banking and the Elements Mobile App. Enjoy the same interface on your smartphone, tablet, laptop, and desktop while continuing with the security, features, and conveniences you've come to expect from Elements. Our goal with online banking is simple — to provide you with a state-of-the-art digital banking experience that you can count on and is consistent cross all your devices.

How to Get Started


You can apply online in as little as 10 minutes! Or call 1-800-621-2105 to get started.

What you’ll need to open an account:

  • Your government-issued ID (driver’s license, state ID or passport)
  • Social Security number

What to expect during the application process:

  1. We’ll contact you no later than 1 business day after you submit your application.
  2. We’ll contact you with a decision within 10 business days.
  3. That’s it — your Elements Certificate Loan is now ready to use!

What Will My Loan Payments Be?

Certificate Loan Calculator


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  1. 1 Rates effective as of November 1, 2017, and subject to change without notice. Each individual's Annual Percentage Rate (APR) is determined by the applicant's credit history. Not all applicants will qualify for our displayed lowest rates. Subject to credit approval.