Regions Deposit Secured Loan

A Deposit Secured Loan is a low-interest installment loan with predictable monthly payments that's secured by a Regions certificate of deposit, savings account or money market account.1

View All Personal Loans

The Basics

  • fixed interest rate

    Low Fixed Interest Rate

  • secured loan

    Secure with Regions CD, Savings Account or Money Market

  • predictable monthly payments

    Predictable Monthly Payments

Regions Deposit Secured Loan Details

For You If…
You need a loan and want to secure it with a Regions savings account, Regions CD or Regions money market while still maintaining a deposit account balance. Learn more
Minimum Loan Amount
Time Deposit (CD) - $2,000

Savings Secured Loan - $250

Money Market Secured - $250

Maximum Loan Amount
Up to 100% of verified available balance in your collateral account minus any loan fees.
Annual Percentage Rate (APR)
Fixed APR based on loan amount, term, and collateral securing the loan.
Varies based on loan amount and collateral securing the loan.
Collateral Requirements
Regions savings account, CD or money market account. The pledged collateral amount will not be available for withdrawal during the life of the loan. Your savings, CD or money market account will continue to earn interest.
Access to Funds
Funds are available in a single lump sum at loan closing.
Payment Frequency & Amount
Monthly repayment. Repayment amount varies based on term, APR and loan amount
Rate Discounts Available
Rate discounts are available for line amounts $5,000 or greater, if you elect to have your monthly payments automatically debited from your Regions checking account through our Automatic Payment Option. The amount of the discount varies based on your type of relationship with Regions, ranging from 0.25% up to 0.50%.
Automatic Payment Option
Allows you peace of mind that your payments will be automatically debited from your checking account each month. If your checking account is a Regions checking account, you may qualify for a rate discount.
Loan Closing Options
  • Low fixed interest rate
  • Predictable monthly payments
  • Secured with Regions CD, savings account or money market account

Ways to Apply for a Deposit Loan

  • online Online Application

    Apply today online.

    Apply Now
  • a Regions branch Visit a Branch

    Apply at a branch near you today.

    Find a Regions Branch
  • on the phone Apply by Phone

    1-888-462-7627 Mon - Fri 6 a.m. to 7 p.m., Sat 8 a.m. to 2 p.m.

Why Regions?


Borrowing doesn't have to be an overwhelming experience. We have a host of helpful articles, loan calculators and other tools to make the process easier.


Manage your account online, and bank when you want with Mobile Banking, Online Banking with Bill Pay, and access to over 1,900 ATMs across Regions' 15-state service area. Help Me Decide

Personal Service

Our knowledgeable, experienced professionals will help you find just the right loan for you, then you'll enjoy award-winning customer service through a branch, online, over the phone, on Facebook or Twitter, or even at a VTM.

Community Service

We believe in giving back to our communities by supporting local organizations and donating our time and talents. We even give associates a paid day off each year to volunteer with a cause of their choice.