Stock-Secured 贷款 and Line of Credit

This is a loan that uses stock you own as your collateral. That means you continue to get the benefits of dividends or stock splits while also getting to use the cash you’ve borrowed against it.

它是如何工作的

You can borrow up to 70% of the value of stock you hold at 元素 in an LPL account, 须经批准. The funds are held in an LPL Collateralized 贷款 Account. The variable interest rate is indexed to Prime 率 as published in The Wall Street Journal.¹

访问基金

Easily manage your loan activity with 利记 and the 元素 手机应用程序. You can access funds in as little as one business day after your loan is finalized. Funds will be available in the 元素 account of your choice or sent to you via check.

偿还贷款

Pay off your loan in regular monthly payments.

开始

Yes, you can use your Stock-Secured 贷款 or Line of Credit on anything you want—it’s up to you!

开始

There are no prepayment penalties or loan fees associated with a Stock-Secured 贷款.

像银行一样，只是更好!

更好的利率. 更少的费用.

因为我们是信用合作社, we return profits to members in the form of reduced fees, higher savings rates and lower loan rates.

可信的建议. 新鲜的方法.

We pride ourselves in being a trusted source for financial education. Your financial wellness expert will come to your workplace to answer questions and provide you with one-on-one assistance as you navigate the changes that come with each of life's stages.

尊重当地. 在全球范围内访问.

Headquartered in 印第安纳波利斯 since 1930, we rank among the top 3% of credit unions nationally². We serve members in all 50 states and 50+ countries. You’ll have access to 5,000+ shared branches nationwide and 78,000+ surcharge-free ATMs globally.

高科技. 人类接触.

Our technology makes banking with 元素 easy. From quick digital applications to online and mobile banking, we’ll be by your side wherever you go. We’re here for you with member service available 24/7 and live chat during the workday.

开始

3个简单的步骤应用

1. 在线申请 - You can apply online in as little as 10 minutes! Submit your application anytime or call 1-800-621-2015 开始吧. Have ready your government-issued ID (driver’s license, 状态标识, or passport) and your social security number.
2. 接我们的电话 We'll contact you within one business day after you submit your application to go over what documentation we'll need and to answer your questions.
3. 就是这样! - We'll contact you with a decision within 10 business days. Once your loan is approved and finalized, you can get cash in your account in as little as one business day.

马上申请