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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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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, you'll continue to earn interest on your balances and you may be able to build your credit history along the way.



  • Borrow up to 98% of your deposit balances (minimum loan: $1,000).
  • No 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, 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.

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, Call 877.860.9753

May We Also Suggest?
Borrow up to $25,000 with no collateral required with a personal loan from Santander Bank.

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...

Simply Right Checking

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...

Make your financial goals a reality with an unsecured loan or line of credit from Santander Bank.

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 loan 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.