What is it?
DirectLenderMatch classifies Certificate of Deposit (CD)-Secured Loan under the financing form “Secured term loan.” Its typical use in this directory is: Borrow against CD without redeeming it.
How does it work?
The structure is generally evaluated, supported, or secured using the following basis: Certificate of deposit. Exact underwriting, eligibility, terms, and availability are provider-specific and can change.
What can it be used for?
Borrow against CD without redeeming it.
What backs or supports it?
Certificate of deposit.
Why does this structure exist?
This structure provides a defined way to address the financing need described above. The provider, transaction, collateral, and underwriting context determine how the structure is implemented in practice.
Important considerations
Confirm current costs, risks, licensing, eligibility, collateral treatment, recourse, tax consequences, and availability directly with the provider and appropriate professional advisers. DirectLenderMatch does not compare rates or recommend products.
Is this actually a loan?
Workbook classification: Yes. Financing forms such as leases, purchases, shared equity, advances, and guarantees may solve a funding need without being conventional loans.
Verified lenders or providers
Direct credit-union lender
AOD Federal Credit Union
AOD FCU currently offers Certificate Secured loans backed by eligible Share Certificates.
Official evidence page →Last verified: 2026-08-23
Direct credit-union lender
America First Credit Union
America First currently offers Certificate Secured Loans that borrow against an eligible America First Certificate Account while it continues earning dividends.
Official evidence page →Last verified: 2026-08-23
Direct lender
Navy Federal Credit Union
Navy Federal currently offers certificate-secured loans backed by eligible share certificates.
Official evidence page →Last verified: 2026-08-23
Direct bank lender
Regions Bank
Regions documents a current Deposit-Secured Loan and states that a Regions Certificate of Deposit may be pledged as collateral.
Official evidence page 1 → Official evidence page 2 →Last verified: 2026-08-23
Related financing structures
Savings / Share-Secured Loan
Build credit or borrow without liquidating deposit
Pawn Loan
Borrow against jewelry/electronics/other pawn collateral
Vehicle Title Loan
Borrow against owned vehicle
401(k) / Qualified Plan Participant Loan
Borrow from eligible employer retirement plan
Credit Card Cash Advance
Cash accessed against card line
Overdraft Line of Credit
Cover checking-account shortfalls