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Loan Rates

Effective June 22, 2022

Vehicle Loans

New Cars, Trucks, & Vans**

Model Year	Loan Type	Term	APR ⁽¹⁾as low as
2021 - 2022	Fixed	Up to 36 months	2.79%
2021 - 2022	Fixed	Up to 48 months	3.24%
2021 - 2022	Fixed	Up to 60 months	3.29%
2021 - 2022	Fixed	Up to 72 months	3.59%
2021 - 2022	Fixed	Up to 84 months	4.79%

Example payment: The estimated monthly payment for a $20,000 new auto loan with a 60 month term at a rate of 3.29% APR is $361.99.

Used Cars, Trucks, & Vans**

Model Year	Loan Type	Term	APR (1) as low as
2016 - 2020	Fixed	Up to 36 months	3.79%
2016 - 2020	Fixed	Up to 48 months	4.09%
2016 - 2020	Fixed	Up to 60 months	4.19%
2016 - 2020	Fixed	Up to 72 months	4.29%
2017 - 2020	Fixed	Up to 84 months	5.24%

Example payment: The estimated monthly payment for a $20,000 used auto loan with a 60 month term at a rate of 4.19% APR is $370.09.

Older Used Cars, Trucks, & Vans***

Model Year	Loan Type	Term	APR ⁽¹⁾as low as
2013-2015	Fixed	Up to 60 months	6.50%

Example payment: The estimated monthly payment for a $20,000 older used auto loan with a 60 month term at a rate of 6.50% APR is $391.37.

Personal Loan

Loan Type	Maximum Term	APR ⁽¹⁾as low as
Fixed	up to 12 months	7.49%
Fixed	up to 24 months	7.49%
Fixed	up to 36 months	7.49%
Fixed	up to 48 months	7.49%
Fixed	up to 60 months	7.49%

Example payment: The estimated monthly payment for a $1,000 personal loan with a 12 month term at a rate of 7.49% APR is $86.77.

Share Secured Loan

Loan Type	Maximum Term	APR⁽⁷⁾
Fixed	Up to 10 years	Base Share Rate + 3.00%*

Certificate Secured Loan

Loan Type	Maximum Term	APR⁽⁷⁾
Fixed	Up to Maturity of Certificate	Certificate Dividend Rate + 3.00%

No Closing Cost Home Equity Loan

Loan Type	Term	Maximum LTV	APR ^(1)(2)(3)as low as
Fixed	Up to 60 months	up to 80% 80.01 - 85% 85.01%-90%	4.24% 5.49% 5.99%
Fixed	Up to 84 months	up to 80% 80.01 - 85% 85.01%-90%	4.74% 5.99% 6.49%
Fixed	Up to 120 months	up to 80% 80.01 - 85% 85.01%-90%	4.74% 5.99% 6.49%
Fixed	Up to 180 months	up to 80% 80.01 - 85% 85.01%-90%	5.49% 6.24% 6.99%
Fixed	Up to 240 months	up to 80% 80.01 - 85% 85.01%-90%	5.74% 6.74% 7.24%

Example payment: The estimated monthly payment for a $20,000 home equity loan, up to 80% LTV with a 120 month term at a rate of 4.74% APR is $209.64.

No Closing Cost Home Equity Line-of-Credit

Loan Type	Maximum LTV	Maximum Term	APR ^(1)(2)(3)as low as
Variable	up to 80%	180 months	4.75% (Prime)
Variable	80.01% to 90%	180 months	5.75% (Prime + 1.00%)

First Mortgage

through partnership with CUMA⁽¹⁾⁽³⁾

Loan Type	Maximum Term	Current Rates
Fixed	15 years - 30 years	Current Rates
Variable	3/1 ARM	Current Rates
Variable	5/1 ARM	Current Rates
Variable	7/1 ARM	Current Rates

Boats & Recreational Vehicles - New & Used

Loan Type	Maximum Term	APR⁽¹⁾as low as
Fixed	Up to 84 months	3.00% + current vehicle rate
Fixed	85 months to 120 months	9.24%

Example payments:

The estimated monthly payment for a $20,000 new boat & recreational loan with a 60 month term at a rate of 6.29% is $389.43.

The estimated monthly payment for a $20,000 used boat & recreational loan with a 60 month term at a rate of 7.19% is $397.90.

LifeLine of Credit

Loan Type	Maximum Term	APR ⁽¹⁾⁽²⁾as low as
Variable	Revolving	10.75% (Prime + 6.00%)

VISA Credit Card

Loan Type	Annual Fee	APR⁽¹⁾
VISA^® Platinum with rebates⁽¹⁾⁽⁵⁾	None	14.15%
VISA^® Platinum no rebates^(1)(2)(5)	None	as low as 10.75% (Prime + 6.00%)
VISA^® Classic⁽¹⁾⁽⁵⁾	None	16.15%
VISA^® Secured⁽¹⁾⁽⁶⁾	$25.00	16.15%

(1),(7) APR is Annual Percentage Rate. AgFed reserves the right to change the published rate at anytime without advance notice. Rate may vary as it is determined by an evaluation of credit, amount, term and other factors. Term is determined by loan amount. Actual rate may vary. All loans are subject to credit approval.

** New vehicles are the two (2) latest model years, currently 2021 and 2022. Used vehicles are currently 2016 model year to 2020 for terms up 72 months and 2017 model year to 2020 for terms up to 84 months. All advertised Auto loan rates reflect financing at 100% LTV. Financing is available up to 125% with a margin added for LTV between 101% and 125%. The added margin will not exceed 0.50%. Minimum loan amount for a 72 month term is $25,000.00. Minimum loan amount for a 84 month term is $35,000.00

*** Older used vehicles are the 3 oldest model years, currently 2013 to 2015. Financing is limited to $50,000.00 and loan terms cannot exceed 60 months.

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