You do not always have to use your savings when you need funds for a short term. Consider the Azalea City Credit Union Share Secured/CD Secured Loan. This loan allows you to borrow money by using your share (savings) or CD (certficate) account as collateral.

Share (Savings) Secured features and terms:

• Funds in your share or CD account are held to secure the loan
• As payments are made, the funds held in Share (Savings) or CD (certificate) account are released
• You continue to earn dividends on your share account during the term of the loan
• Flexible Terms are available at a fixed rate. Call for rates.