Share Secured Loan Use your Self-Help Federal savings or term certificate account as collateral. Borrow up to 100% of the amount you have deposited with us. Like our Credit Builder product, this loan may be a good option when you need to build or rebuild credit. Note that account funds used as loan collateral will not be available for transactions or withdrawals. How to Apply Bring your completed application to your local branch to apply. Members may also apply online by logging into online banking and clicking "Loan Application" under "Online Services."