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Loan Rates

Effective December 01, 2021

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Vehicle Loans

New Cars, Trucks, & Vans**

Model Year Loan Type Term APR (1) as low as
2021 - 2022 Fixed Up to 36 months 1.99% 
2021 - 2022 Fixed Up to 48 months 2.24% 
2021 - 2022 Fixed Up to 60 months 2.49% 
2021 - 2022 Fixed Up to 72 months 2.99%
2021 - 2022 Fixed Up to 84 months 4.49%

Example payment: The estimated monthly payment for a $20,000 new auto loan with a 60 month term at a rate of 2.49% APR is $354.92.

Used Cars, Trucks, & Vans**

Model Year Loan Type Term APR (1) as low as
2016 - 2020 Fixed Up to 36 months 2.24% 
2016 - 2020 Fixed Up to 48 months 2.74% 
2016 - 2020 Fixed Up to 60 months 2.99% 
2016 - 2020 Fixed Up to 72 months 3.74%
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 2.99% APR is $359.36.

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 6.49%
Fixed up to 24 months 6.49%
Fixed up to 36 months 6.49%
Fixed up to 48 months 6.49%
Fixed up to 60 months 6.49%

 

Example payment: The estimated monthly payment for a $1,000 personal loan with a 12 month term at a rate of 6.49% APR is $86.30.

Share Secured Loan

Loan Type Maximum Term APR(7)
Fixed Up to 12 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 3.25% (Prime)
Variable 80.01% to 90% 180 months 4.25% (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 5.49% is $382.07.

The estimated monthly payment for a $20,000  used boat & recreational loan with a 60 month term at a rate of 6.89% is $395.04.

LifeLine of Credit

Loan Type Maximum Term APR (1)(2) as low as
Variable Revolving 9.25% (Prime + 6.00%)

 

VISA Credit Card

Loan Type Annual Fee APR(1)
VISA® Platinum with rebates(1)(5) None 12.65%
VISA® Platinum no rebates(1)(2)(5) None as low as 9.25% (Prime + 6.00%)
VISA® Classic(1)(5) None 14.65%
VISA® Secured(1)(6) $25.00 14.65%

(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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