Share Secured Loans


Need emergency money, we have a solution.

The Novartis Federal Credit Union Shared Secure loan has you in mind! You can use the funds for whatever you need.  Use the funds for a new computer, auto repair, vacation, in home gym equipment, dental work, or any other immediate financial need. It is all up to you.  We have you covered, this is a great loan option for anyone, especially if you want a low rate.  Since you are borrowing against your own funds, the rate is as low as 2.60% APR*.  You can also protect your financial well-being with optional disability and life coverage.  A Shared Secure loan can also assist you to build your credit.

Apply, close and get funded in as little as one day.

The Novartis Federal Credit Union Shared Secure Loan Features:

  • Borrow up to 95% of your shares or Certificate value
  • Flexible terms
  • Share account continues to earn dividends
  • Fast, same day approvals
  • Debt Protection Program (DPP)
    • Life is unpredictable. There are a wide range of unexpected events that could leave you and your family scrambling to pay monthly bills. In the event of death, disability or unemployment, you wouldn’t want your family to worry about making your loan payments. With Debt Protection, your loan balance or monthly loan payments may be canceled without penalty or added interest.
    • In the event of death, it cancels the remaining loan balance up to a maximum in the contract.
    • If you become disabled, it cancels up to a maximum number of loan payments based on the contract.
    • If you are involuntarily unemployed, it cancels up to a maximum number of loan payments based on the contract.

Have questions about a Novartis Federal Credit Union Shared Secured loan or looking for a loan? Give one of our Loan Officers a call at 973-947-1000 or stop by our office. We look forward to hearing from you.

Complete the application, sign it, & send back via FAX: 973-947-0999 or secure email:  or you can also drop your application at a branch or in our drive thru.



Effective Date 9/1/2022, Rates Subject to Change

Share Secured LoansAPR
As Low As2.60%

APR = Annual Percentage Rate

*Rate, loan fees and terms may vary, and will be disclosed at the time of the loan. All Loans are subject to Novartis Federal Credit Union lending guidelines and credit worthiness. Membership is required.

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