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Your existing CD/savings account can become the foundation of a Savings Secured Loan from Santander Bank.

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What is a CD / Savings Secured Loan?

Did you know that your hard–earned savings can be a convenient and quick source of borrowed funds? With a Santander Bank CD/Savings Secured Loan, you can use your existing Santander Bank savings, money market or CD balances as collateral and borrow against those balances. In addition to borrowing at an attractive rate, a CD/Savings Secured Loan allows you to continue to earn interest on your balances, and you may be able to build your credit history along the way. Learn how to get a CD/Savings Secured Loan from Santander Bank.

Secured Personal Loan Features


  • Borrow up to 98% of your deposit balances (minimum loan: $1,000).
  • No secured loan application fees  or closing costs.
  • No income or employment verification required.
  • Continue to earn interest on your savings, money market or CD balances.
  • Interest rates lower than many or most credit cards.

To Apply for a CD/Savings Secured Loan, Call 877.860.9753

What Can a CD/Savings Secured Loan Be Used For?



Borrow money without fees and closing costs, and without drawing on your savings.

Build Credit History

Build Credit History

Help to build a credit history for
potential future borrowing needs.



Pay unexpected expenses,
quickly and efficiently.

Secured Personal Loan Monthly Payments

Monthly payments on a Santander CD/Savings Secured Loan with a 24-month term and a rate of 6.00% APR1

Amount $1,000 $2,000 $4,000
Monthly Payment $44.32 $88.64 $177.28
Is a CD / Savings Secured Loan Right for Me?

Wondering how much your payments might be with a CD/Savings Secured Loan? You can run the numbers using this handy calculator:

To Apply for a CD/Savings Secured Loan, Call 877.860.9753

May We Also Suggest?


Personal Loan

Simplify your financial life by consolidating your debt with a Personal Loan.

  • Provides your money in one lump–sum, and with a predictable monthly payment.
  • Use your funds for almost anything: paying off bills, home or car repairs, special occasions or a memorable vacation.

Learn More...

Rest easy with Simply Right Checking from Santander Bank.

Simply Right® Checking

Pay no Monthly Fee with one deposit, withdrawal, transfer, payment, or purchase of any amount in a calendar month.

  • No minimum balance to avoid the Monthly Fee.
  • Easy account access at thousands of Santander ATMs, including many CVS locations.
  • Convenient mobile app for checking balances and performing transactions on the go.

Learn More...

Use a credit line to help fund your imagination.

Personal Line of Credit

Help bring your dreams to life with a Personal Line of Credit.

  • Why make multiple payments when you can make one monthly payment at a super rate?
  • You can also use a personal line of credit for other plans and expenses, like easing the burden of much needed home repairs.

Learn More...

1 The Annual Percentage Rate (APR) will be based upon the deposit account rate plus 3.00%; minimum of 6.00% APR.