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KeyBank offers secured personal loans in the following states: Alaska, Colorado, Connecticut, Idaho, Indiana, Massachusetts, Maine, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont, and Washington. Using a KeyBank CD, savings, or investment account as collateral, you may borrow a minimum of $5,000. Loan terms last as long as 60 months.
Your secured loan comes with a fixed interest rate, allowing you to budget easily for the same payment amount each month. If you enroll in autopay, you’ll receive a 0.25% interest rate deduction. There is a prepayment penalty, however. When you pay off your loan early within the first 18 months, you’ll be charged a $150 penalty fee.