Farm Credit Employees Federal Credit Union

Loan Rates
Effective April 1, 2017

REDUCE YOUR RATE FOR ANY TYPE OR TERM OF LOAN A MAXIMUM of .50%
 
Subtract .25% - Credit Score over 750
Subtract .25% - Loan/Value of 80% or less
Subtract .25% - Payments made via payroll deduction
Subtract .25% - If you are a new Credit Union member
 
No discounts apply for credit scores under 700. Excludes loan specials.

Vehicle Secured Loan Rates*

Type

Term

Annual Percentage Rate*

w/ Max Discount

New Vehicle (2014 and newer) 36 months 3.25% 2.75%
48 months 3.45% 2.95%
60 months 3.75% 3.25%
72 months 4.25% 3.75%
84 months 5.25% 4.75%
Used Vehicle (2013 and older) 36 months 4.45% 3.95%
48 months 4.75% 4.25%
60 months 4.95% 4.45%

* Includes RVs. The maximum term for a new RV is 84 months and 72 months for used.
* Add 1% to all loans secured by collateral older than 2009

 

Boats, Motorcycles, Snowmobiles, ATVs

Type

Term

Annual Percentage Rate*

w/ Max Discount

New (2014 and newer) 48 months 3.95% 3.45%
60 months 4.45% 3.95%
72 months 4.75% 4.25% (25K Min)
84 months 5.75% 5.25% (35K Min)
Used (2013 and older) 36 months 4.45% 3.95%
48 months 4.95% 4.45%
60 months 5.25% 4.75%

 

Unsecured Loans (maximum $10,000)

Term

Annual Percentage Rate*

w/ Max Discount

0 – 18 months 6.95% 6.45%
18 – 36 months 7.95% 7.45%
(Up to 48 months and $15,000 with a credit score of 750 or better)

 

Miscellaneous Security

Type

Annual Percentage Rate*

w/ Max Discount

New 5.45% 4.95%
Used 6.95% 6.45%

Loan fees would apply.
$25 for consumer loan of $5,000 or more. $50 for a consumer loan of less than $5,000.

 

Fixed Real Estate Loans

Maximum Loan/Value 90% with current appraisal, or 80% with other valuation source. Minimum of $25,000 of new money to qualify for any discounts.

Type

Annual Percentage Rate*

w/ Max Discount

60 months 3.95% 3.45%
72 months 4.25% 3.75%
84 months 4.50% 4.00%
120 months 4.75% 4.25%

 

Real Estate

Fees

$150 – 2nd mortgage
$250 – 1st mortgage

Contact Brian for information on rates, terms, and costs at 651-282-8881 or brian.lueth@agribank.com.

 

Home Equity Lines of Credit

Contact Brian for information on rates, terms, and costs at 651-282-8881 or brian.lueth@agribank.com.

Applicants are subject to normal credit guidelines.