CD and Stock Secured lines of credit

Flexible. Affordable. Convenient.  

If you’re looking to consolidate high-interest debt, make a purchase, or pay for education, but don’t want to liquidate investments, our OptionLine Secured Line of Credit may be the right solution for you. You can access needed cash while leveraging your Certificates of Deposit (CD) or stocks.

Unlike a conventional loan, an OptionLine line of credit is not a lump sum with a fixed start and end date. Draw cash as you need it and pay interest only on the amount you use.  And as you draw cash from your line, you can lock in balances at a fixed rate with a fixed-monthly payment.¹

Secure your OptionLine loan with CDs

Use your Cavity Bank CDs as collateral for your OptionLine loan and we can lend up to 100% of the value of the certificate. Your CDs will continue to earn interest and you’ll avoid any withdrawal penalties.

Secure your OptionLine loan with stocks

Shares of stock in the form of stock certificates of nationally listed and traded companies may be held as collateral for an OptionLine loan. We can lend up to 75% of the current market value of your stocks.  You will continue to enjoy the advantages of dividends and stock splits.