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Stock-Secured Loan

Borrow against the value of stock certificates

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Stock-Secured Loan Benefits

  • Borrow against stock you own for any purpose
  • Borrow up to 70% of the 52-week low price
  • NYSE and NASDAQ-listed stocks
  • Terms up to 10 years
  • Save with Plus and Relationship benefits and electronic payment

Stock Secured Loan Details

  • Preserve your stock investments – If you've built up a valuable stock portfolio, selling those stocks to finance something like a new car, your daughter's wedding, or your child's college education could have expensive capital-gains tax implications. A more prudent alternative may be to borrow against the value of that stock at DCU.
  • Borrow up to 70% of the 52-week low price – DCU finances up to 70% of the 52-week low value of the stock (50% of that value if you are borrowing for the purchase of additional stock per federal regulation).
  • Borrow against stocks listed on the New York Stock Exchange or NASDAQ
  • Borrow up to $100,000 for up to 120 months (10 years)
  • Stock must be in certificate form – The certificates will be held by DCU during the term of the loan.
  • Save with Plus and Relationship benefits and electronic payment – Save on rates when you qualify for Plus and Relationship benefits on your DCU Checking Account and make payments electronically (payment by transfer in Online Banking, Mobile Banking, Easy Touch Telephone Teller, DCU ATM, or internal DCU automatic transfers. Add 0.50% to rate for other payment methods.

Stock-Secured Loan Rates

Borrow up to 70% of the 52 week T-Bill Low Value (maximum 50% if being used for stock purchase per federal regulation). Loans up to $100,000. Terms up to 120 months.

Our Best Rates*
Terms / Features Annual Percentage Rate Estimated Monthly Payment
per $1,000
Up to 60 months
Minimum Loan Amount $5,000
7.74% $20.15
Up to 72 months
Minimum Loan Amount $15,000
8.24% $17.65
Up to 84 months
Minimum Loan Amount $15,000
8.74% $15.96
Up to 120 months
Minimum Loan Amount $25,000
9.24% $12.80

Rates are effective .

* Rates are determined by your personal credit history, account relationship, and payment method.

Stock-Secured Loans is rated 4.0 out of 5 by 1.
Rated 4 out of 5 by from Using stock certificates as loan collateral Using stock certificate(s) as loan callateral is not a typical loan request. The DCU was able to do this and it has helped me take out a loan without having to actually sell the stock due to the relatively down market. I'm quite happy with the loan officers who made it possible.
Date published: 2011-10-17
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What are the qualification of credit and income to obtain a stock secured loan?

Asked by: Kenneth
Rates are based on your personal Credit Score. For more information and to apply please call 800.328.8797 option 3. Agents are available weekdays from 8:00AM to 9:00PM EST and on Saturdays from 9:00AM to 3:00PM EST.
Answered by: DCU Staff
Date published: 2018-09-29

I have approximately $309,000 in 401K accounts. Can I be pre-approved to borrow up to $100,000 using the 401K accounts as security?

Asked by: Jim
If your stocks are part of your 401K retirement plan, you can likely only borrow against these funds through the plan provider. Please contact them directly to learn more. In order to borrow against stocks you own, the stock must be in certificate form. The certificates will be held by DCU during the term of the loan.
Answered by: DCU Staff
Date published: 2016-03-03

I am trying to take out a loan.

I am trying to take out a loan that uses stock as collateral. I have a lot of stock, over 500,000 shares. What would i need to do exactly and what is needed for the process?
Asked by: John
You will want to apply for the Stock-Secured loan desired and join DCU as a member. The stock must be listed on the New York or American Stock Exchange, or NASDAQ and must be issued in certificate form. Maximum to borrow for this type of product is 70% of the 52 week low value of the stock up to $200,000.
Answered by: DCU Staff
Date published: 2016-03-03
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Easy Ways To Apply Today

  1. Apply Online
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    Call 508.263.6700 and press 3
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