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Brief Guide To Secured Loans A secured loan is a loan that is granted against a collateral pledged by the consumer. The value of collateral should be equal to or greater than the value of loan. In case of Share Secured Loan, a share account (excluding an IRA) can be used as collateral. The balance in share account must remain equal to or greater than balance of loan. www.gctfcu.net Greater Central Texas Federal Credit Union 3305 E. Elms Rd., Killeen, TX 76542 Phone: (254) 690 - 2274 Image Source: Designed by Freepik