Instead of taking money out your savings or certificate account, consider a secured loan. When you take money out of your savings or certificate account, that money is no longer earning dividends. With a secured loan, you pledge an amount of money from your account that is equal to the amount of money you want to borrow. The money you pledge remains in your account and continues to earn dividends while securing your loan. You can even tailor your payment amount to fit into your budget. It's a flexible and economical way to borrow money that takes your best interests into consideration.