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Personal and Other Loan Rates

Personal Loan Rates

Table data for Personal Loan Rates
 Effective 12-21-2024
Term APR as low as1 Monthly Payment per $1,000 borrowed2 Alert Me
1–36 months 5.99% $30.42
37–48 months 7.74% $24.29
49-60 months 8.74% $20.63
61-72 months 9.99% $18.52
73–84 months 10.24% $16.73
APR = Annual Percentage Rate. The rates stated above available on approved credit. Rates may be different as determined by the individual creditworthiness of each applicant. Not all applicants will qualify for the lowest rate.
  • 1Includes .25% auto pay rate discount.↵
  • 2Payment example is used on the maximum term listed in the range.↵

Other Loan Rates

Table data for Other Loans
 Effective 12-21-2024
Loan Type APR as low as1 Alert Me
Education Loan 4.99%
Home Improvement Loan 5.49%
Agricultural Loan2 8.84%
APR = Annual Percentage Rate. The rates stated above available on approved credit. Rates may be different as determined by the individual creditworthiness of each applicant. Not all applicants will qualify for the lowest rate.

For a $3,000 Education loan for a term of 36 months with a 4.99% APR, the monthly payment will be $89.90.

For a $3,000 Home Improvement loan for a term of 36 months with a 5.49% APR, the monthly payment will be $90.57.

For a $10,000 Agricultural loan for a term of 36 months with an 8.84% APR, the monthly payment will be $318.33.
  • 1To qualify for the Automated Payment Interest Rate, at the time of loan settlement you must establish an automated loan payment from an APGFCU account to repay your loan.↵
  • 2Agricultural Used. Maximum loan terms: current or 1 year old, 60 months; 2–4 years old, 48 months; 5–10 years old, 36 months. No units financed over 10 years old. Maximum loan amount is $49,999.99.↵

Table data for My Money Share and Money Market Secured Loan
 Effective 12-21-2024
Loan Type Rate Margin APR as low as1 Alert Me
"My Money" Share Secured 3% above Regular Share rate 3.25%
"My Money" Money Market Share Secured 3% above the Money Market Tier rate for balances of $100,000 and above 4.00%
  • 1APR = Annual Percentage Rate. The rates stated are available on approved credit. Rates may be different as determined by the individual creditworthiness of each applicant. Not all applicants will qualify for the lowest rate.↵

Table data for Easy Cash Line of Credit
 Effective 12-21-2024
Term Variable APR as low as1 Alert Me
Revolving 11.74% - 17.99% Receive a notification when this rate changes
Subject to credit approval. The Easy Cash Personal Line of Credit is a variable-rate, risk-based product and is based on Wall Street Journal Prime plus a margin. Simple Interest will be applied to your outstanding balance. APGFCU members cannot exceed $50,000 in unsecured debt to include Open-End and Closed-End Personal Loans, Visa Credit Card limits, and Easy Cash Personal Line of Credit limits. Minimum monthly payment of 2% of the outstanding balance or $25.00.
  • 1APR = Annual Percentage Rate. The rates stated are available on approved credit. Rates may be different as determined by the individual creditworthiness of each applicant. Not all applicants will qualify for the lowest rate.↵

Rates

Rates