Abstract: Systems, methods, and computer program products are provided that allow customers to build equity (e.g., by adding money to their selected savings vehicle) feeling secure in knowing that, should they undergo one of the pre-determined events, they will have access to a low/no interest loan (or other loan) that will help them get through that period of crisis. The financial product may offer customers a collateralized loan during a time of need, the ability to set and redefine savings goals to reflect changes in a customer's life, savings on fees as collateral grows, the waiver of monthly fees during benefit period and for a one-month grace period, and a manageable payback schedule once the benefit period begins.