What’s the difference between a Signature Loan and a CD or Shared Secured loan and how do I know which is right for me?

A CD/Share Secured loan uses your deposit account at Heartland as collateral. It is a good option if you want to build credit and don’t need to use the funds in your deposit account for the term of the loan. The interest rate is lower than a Signature loan and your deposit account will continue to earn dividends. A signature loan has a higher rate because it is unsecured and there is no collateral on the loan.