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Loan Rates

Effective July 17, 2026

Vehicle Loans

New Cars, Trucks, & Vans**

Model Year	Loan Type	Term	APR ⁽¹⁾as low as
2025 - 2026	Fixed	Up to 36 months	3.89%
2025 - 2026	Fixed	Up to 48 months	4.39%
2025 - 2026	Fixed	Up to 60 months	4.39%
2025 - 2026	Fixed	Up to 72 months	5.14%
2025 - 2026	Fixed	Up to 84 months	5.64%

Example payment: The estimated monthly payment for a $20,000 new auto loan with a 60 month term at a rate of 4.39% APR is $371.93.

Used Cars, Trucks, & Vans**

Model Year	Loan Type	Term	APR (1) as low as
2019 - 2024	Fixed	Up to 36 months	4.49%
2019 - 2024	Fixed	Up to 48 months	4.99%
2019 - 2024	Fixed	Up to 60 months	4.99%
2019 - 2024	Fixed	Up to 72 months	5.74%
2019 - 2024	Fixed	Up to 84 months	6.24%

Example payment: The estimated monthly payment for a $20,000 used auto loan with a 60 month term at a rate of 4.99% APR is $377.41.

Older Used Cars, Trucks, & Vans***

Model Year	Loan Type	Term	APR ⁽¹⁾as low as
2018 or older	Fixed	Up to 36 months	5.49%
2018 or older	Fixed	Up to 48 months	5.99%
2018 or older	Fixed	Up to 60 months	5.99%
2018 or older	Fixed	Up to 72 months	6.74%

Example payment: The estimated monthly payment for a $20,000 older used auto loan with a 60 month term at a rate of 5.99% APR is $386.65.

Personal Loan

Loan Type	Maximum Term	APR ⁽¹⁾as low as
Fixed	up to 12 months	9.99%
Fixed	up to 24 months	10.24%
Fixed	up to 36 months	10.49%
Fixed	up to 48 months	10.74%
Fixed	up to 60 months	10.99%

Example payment: The estimated monthly payment for a $1,000 personal loan with a 36-month term at a rate of 10.49% APR is $32.51.

Share Secured Loan

Loan Type	Maximum Term	APR⁽⁷⁾
Fixed	Up to 10 years	Share Rate + 4.00%*

Certificate Secured Loan

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

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%	6.99% 7.99% 8.24%
Fixed	Up to 84 months	up to 80% 80.01 - 85% 85.01%-90%	7.49% 8.49% 8.74%
Fixed	Up to 120 months	up to 80% 80.01 - 85% 85.01%-90%	7.49% 8.49% 8.74%
Fixed	Up to 180 months	up to 80% 80.01 - 85% 85.01%-90%	7.99% 8.99% 9.24%
Fixed	Up to 240 months	up to 80% 80.01 - 85% 85.01%-90%	8.49% 9.49% 9.74%

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 as low as 7.49% APR is $237.36.

Home Equity Line-of-Credit

Loan Type	Maximum LTV	Maximum Term	APR ^(1)(2)(3)as low as
Variable	up to 80%	180 months	6.75% (Prime)
Variable	80.01% to 90%	180 months	7.75% (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 & RVs - New & Used

Loan Type	Maximum Term	APR⁽¹⁾as low as
Fixed	60 months	7.99%
Fixed	72 months	8.74%
Fixed	84 months	9.24%

Example payments:

The estimated monthly payment for a $20,000 new or used boat & RV with a 60-month term at a rate of 7.99% is $405.56.

Motorcycles - New & Used

Loan Type	Maximum Term	APR⁽¹⁾as low as
Fixed	60 months	6.99%
Fixed	72 months	7.74%
Fixed	84 months	8.24%

Example payments:

The estimated monthly payment for a $20,000 new or used motorcycle loan with a 60-month term at a rate of 6.99% is $396.04.

LifeLine of Credit

Loan Type	Maximum Term	APR ⁽¹⁾⁽²⁾as low as
Variable	Revolving	12.75% (Prime + 6.00%)

(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.

(2) APR is based on the Prime Rate published in the Wall Street Journal plus or minus a margin and based on evaluation of credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate. Prime Rate is 6.75% as of the effective date indicated above.

(3) All mortgage requests that are in first position must have an escrow account in order for the remittance of taxes and insurance. Property must be located in any U.S. state or the District of Columbia, excluding HI, NY and TX.

** New vehicles are the two (2) latest model years, currently 2025 and 2026. Used vehicles are currently 2019 model year to 2024 for terms up 72 months and 2021 model year to 2024 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 2018 model year and older. Financing is limited to $50,000.00 and loan terms cannot exceed 72 months. Financing for older used vehicles is available for up to 100% LTV.

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