The MyUSA Credit Union is a personal loan from MyUSA Credit Union. Typical credit limit: share secured: minimum $300. Loan terms: share secured: 1-63 months. A Secured Loan or Secured Credit Card is a simple way to build credit while keeping your savings safe. Your savings or existing asset act as collateral, so you get lower rates and an easy way to boost your credit score. It’s a smart, low-risk way to grow your