How do I make this work?

[John Roeder]

I have a local credit union that will loan money to me at 2% for a term of up to 20 years. The only caveat is that i have to have an equal amount in an account with them as collateral. I feel like this could be a great opportunity, but I am unable to connect the dots and find a way to use it in my investing. Anyone got any ideas??!! And for clarification if they loan me $100k I need to have $100k in an account with them that I cannot use, since it is collateral.