Share-Secured Loans — Genesee Co-op Federal Credit Union is a personal loan from Genesee Co-op Federal Credit Union. The ongoing APR is 3.00% APR above the current regular share savings dividend rate. A share-secured loan is a way to use your money, in your savings account at the credit union, to help you obtain a loan at a low interest rate. You might use the loan to keep your savings intact and prefer to make monthly payments at an affordable rate, or to