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Share Secured Loans

You have worked hard to save your money and now you can use the money in your Share Savings or Share Certificate as collateral for your loan.


  • Borrow up to 100% of your share savings balance and approval is guaranteed
  • Low rate at 3% above the dividend rate being paid on that share account
  • Build or repair your credit history
  • Earn dividends on your savings while funding practically anything

Enjoy low monthly payments, extended terms up to 12 years and no fees or pre-payment penalties. Pay off existing high-rate debt, make purchases for household needs and more.

Protect your family, your lifestyle and your credit

btn_ProtectYourself_1 Share Secured Loan Protection Calculator

Protecting what’s important in your life is easy and affordable with AgFed’s Member Loan Protection. This voluntary loan payment protection offers relief from the financial burden of delinquency or default if a protected life event happens to you, such as, disability, involuntary unemployment or even loss of life. Speak with a representative today to enroll.

Consumer Loans FAQs

Share Secured Loan

Loan Type Maximum Term APR(7)
Variable Up to 12 years Current Share Dividend Rate + 3.00%


(1) APR is Annual Percentage Rate. Rates are subject to change without 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. Certain restrictions and conditions may apply.