If you have funds on deposit in a regular savings account that you would rather not touch to make a needed purchase, a savings-secured loan may be the solution for you.  A modest interest rate is applied to these loans, typically just 3.00%APR above the regular savings account dividend rate, currently .50%APY, for a total of 3.50%APR.  This is a great option to build a credit history too!
 

APR=Annual Percentage Rate
APY=Annual Percentage Yield