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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 4% above the APR 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 10 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

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 or loss of life. Speak with a representative today to enroll.

Consumer Loans FAQs

Share Secured Loan

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


(7) APR is Annual Percentage Rate. Funds pledged as collateral for these products cannot be withdrawn unless the loan is paid in full. Loan term is based on amount requested. Certificate loans cannot extend beyond the maturity date of the Certificate pledged. *This excludes the lowest rate of 0%.