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Agriculture Federal Credit Union

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Agriculture Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Agriculture Federal Credit Union?

Current rates for Agriculture Federal Credit Union include: 12-Month CD: 3.30%, 18-Month CD: 3.45%, 24-Month CD: 3.65%, 60-Month CD: 4.10%, Savings: 1.40%

Q: What CD terms does Agriculture Federal Credit Union offer?

Agriculture Federal Credit Union CD rates are 3.30% APY for a 12 month CD, 3.70% APY for an 18 month CD, 3.90% APY for a 2 year CD, 4.00% APY for a 3 year CD, 4.05% APY for a 4 year CD and 4.10% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Agriculture Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Agriculture Federal Credit Union's 60 Month CD rates are at 4.10%, 48 Month CD rates are at 4.05%, 36 Month CD rates are at 4.00%, 24 Month CD rates are at 3.90%, 18 Month CD rates are at 3.70%. Agriculture Federal Credit Union's savings rates are at 1.40%. Agriculture Federal Credit Union's Personal Loan Rates are as low as 8.99%. Agriculture Federal Credit Union's CD rates are 32% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Agriculture Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.37%. Rates last updated and verified on 10/29/2026.

Agriculture Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Agriculture Federal Credit Union? Share your experience about Agriculture Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Agriculture Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.37%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Agriculture Federal Credit Union
South Building

1400 Independence Ave SW
Washington, DC 20250

https://www.agfed.org/

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Agriculture Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month Certificate	4.04%	4.10%	60 Months
Min Deposit $250 Details Frequency: Quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60% Oct 23, 20264.10%▲ from 3.60% Oct 22, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
48 Month Certificate	3.99%	4.05%	48 Months
Min Deposit $250 Details Frequency: Quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55% Oct 23, 20264.05%▲ from 3.55% Oct 22, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
36 Month Certificate	3.94%	4.00%	36 Months
Min Deposit $250 Details Frequency: Quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50% Oct 23, 20264.00%▲ from 3.50% Oct 22, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
24 Month Certificate	3.84%	3.90%	24 Months
Min Deposit $250 Details Frequency: Quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 3.45% → 3.90% ▲ 0.45 pts · high 3.90% / low 3.45% Oct 23, 20263.90%▲ from 3.45% Oct 22, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
18 Month Certificate	3.65%	3.70%	18 Months
Min Deposit $250 Details Frequency: Quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 3.35% → 3.70% ▲ 0.35 pts · high 3.70% / low 3.35% Oct 23, 20263.70%▲ from 3.35% Oct 22, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Asset Builder Certificate - 24 month	3.60%	3.65%	24 Months
Min Deposit $25 Details Dividend frequency: Quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 3.20% → 3.65% ▲ 0.45 pts · high 3.65% / low 3.20% Oct 23, 20263.65%▲ from 3.20% Oct 22, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
12 Month Certificate	3.50%	3.55%	12 Months
Min Deposit $250 Details Frequency: Quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 3.25% → 3.55% ▲ 0.30 pts · high 3.55% / low 3.25% Oct 23, 20263.55%▲ from 3.25% Oct 22, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Asset Builder Certificate - 18 month	3.41%	3.45%	18 Months
Min Deposit $25 Details Dividend frequency: Quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 3.10% → 3.45% ▲ 0.35 pts · high 3.45% / low 3.10% Oct 23, 20263.45%▲ from 3.10% Oct 22, 20263.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
6 Month Certificate	3.36%	3.40%	6 Months
Min Deposit $250 Details Frequency: Quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15% Oct 23, 20263.40%▲ from 3.15% Oct 22, 20263.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Asset Builder Certificate - 12 month	3.26%	3.30%	12 Months
Min Deposit $25 Details Dividend frequency: Quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 3.00% → 3.30% ▲ 0.30 pts · high 3.30% / low 3.00% Oct 23, 20263.30%▲ from 3.00% Oct 22, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%

Agriculture Federal Credit Union Savings Rates

Product	Rate	APY
Money Market Savings	1.39%	1.40%
Min Balance $250,000 Details Balance: $250,000+; Frequency: Monthly Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 1.30% → 1.40% ▲ 0.10 pts · high 1.40% / low 1.30% Oct 23, 20261.40%▲ from 1.30% Oct 22, 20261.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Money Market Savings	1.29%	1.30%
Min Balance $100,000 Details Balance: $100,000 - $249,999; Frequency: Monthly Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 1.20% → 1.30% ▲ 0.10 pts · high 1.30% / low 1.20% Oct 23, 20261.30%▲ from 1.20% Oct 22, 20261.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Money Market Savings	1.19%	1.20%
Min Balance $50,000 Details Balance: $50,000 - $99,999; Frequency: Monthly Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 1.10% → 1.20% ▲ 0.10 pts · high 1.20% / low 1.10% Oct 23, 20261.20%▲ from 1.10% Oct 22, 20261.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Money Market Savings	1.00%	1.00%
Min Balance $10,000 Details Balance: $10,000 - $49,999; Frequency: Monthly Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 0.90% → 1.00% ▲ 0.10 pts · high 1.00% / low 0.90% Oct 23, 20261.00%▲ from 0.90% Oct 22, 20260.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Money Market Savings	0.85%	0.85%
Min Balance $2,500 Details Balance: $2,500 - $9,999; Frequency: Monthly Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 0.75% → 0.85% ▲ 0.10 pts · high 0.85% / low 0.75% Oct 23, 20260.85%▲ from 0.75% Oct 22, 20260.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
IRA Share Savings	0.05%	0.05%
Min Deposit $5 Details Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Money Market Savings	0.05%	0.05%
Min Balance $0 Details Balance: $0 - $2,499; Frequency: Monthly Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Base Share	0.02%	0.02%
Min Deposit $5 Min Balance $100 Details Balance: $100 - $2,499.99; Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Base Share	0.02%	0.02%
Min Deposit $5 Min Balance $2,500 Details Balance: $2,500 - $9,999.99; Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Base Share	0.02%	0.02%
Min Deposit $5 Min Balance $10,000 Details Balance: $10,000+; Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Holiday Club	0.02%	0.02%
Min Deposit $0 Min Balance $100 Details Balance: $100 - $2,499.99; Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Holiday Club	0.02%	0.02%
Min Deposit $0 Min Balance $2,500 Details Balance: $2,500 - $9,999.99; Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Holiday Club	0.02%	0.02%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000+; Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Vacation Club	0.02%	0.02%
Min Deposit $0 Min Balance $100 Details Balance: $100 - $2,499.99; Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Vacation Club	0.02%	0.02%
Min Deposit $0 Min Balance $2,500 Details Balance: $2,500 - $9,999.99; Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Vacation Club	0.02%	0.02%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000+; Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Base Share	0.00%	0.00%
Min Deposit $5 Min Balance $0 Details Balance: $0 - $99.99; Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Holiday Club	0.00%	0.00%
Min Deposit $0 Min Balance $0 Details Balance: $0-$99.99; Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Vacation Club	0.00%	0.00%
Min Deposit $0 Min Balance $0 Details Balance: $0 - $99.99; Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%

Agriculture Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Savings	1.39%	1.40%
Min Balance $250,000 Details Balance: $250,000+; Frequency: Monthly Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 1.30% → 1.40% ▲ 0.10 pts · high 1.40% / low 1.30% Oct 23, 20261.40%▲ from 1.30% Oct 22, 20261.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Money Market Savings	1.29%	1.30%
Min Balance $100,000 Details Balance: $100,000 - $249,999; Frequency: Monthly Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 1.20% → 1.30% ▲ 0.10 pts · high 1.30% / low 1.20% Oct 23, 20261.30%▲ from 1.20% Oct 22, 20261.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Money Market Savings	1.19%	1.20%
Min Balance $50,000 Details Balance: $50,000 - $99,999; Frequency: Monthly Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 1.10% → 1.20% ▲ 0.10 pts · high 1.20% / low 1.10% Oct 23, 20261.20%▲ from 1.10% Oct 22, 20261.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Money Market Savings	1.00%	1.00%
Min Balance $10,000 Details Balance: $10,000 - $49,999; Frequency: Monthly Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 0.90% → 1.00% ▲ 0.10 pts · high 1.00% / low 0.90% Oct 23, 20261.00%▲ from 0.90% Oct 22, 20260.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Money Market Savings	0.85%	0.85%
Min Balance $2,500 Details Balance: $2,500 - $9,999; Frequency: Monthly Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 0.75% → 0.85% ▲ 0.10 pts · high 0.85% / low 0.75% Oct 23, 20260.85%▲ from 0.75% Oct 22, 20260.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Money Market Savings	0.05%	0.05%
Min Balance $0 Details Balance: $0 - $2,499; Frequency: Monthly Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%

Agriculture Federal Credit Union Checking Rates

Product	Rate	APY	View More
Basic Checking	0.00%	0.00%
Min Deposit $0 Details APY not published (N/A) Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%

Agriculture Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - Fixed	-	-	6.49%	Up to 60 months
Details As Low As; Maximum LTV: up to 80% Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 6.99% → 6.49% ▼ 0.50 pts · high 6.99% / low 6.49% Sep 25, 20266.49%▼ from 6.99% Sep 17, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Home Equity Loan - Fixed	-	-	6.79%	Up to 84 months
Details As Low As; Maximum LTV: up to 80% Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 7.49% → 6.79% ▼ 0.70 pts · high 7.49% / low 6.79% Sep 25, 20266.79%▼ from 7.49% Sep 17, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Home Equity Loan - Fixed	-	-	6.79%	Up to 120 months
Details As Low As; Maximum LTV: up to 80% Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 7.49% → 6.79% ▼ 0.70 pts · high 7.49% / low 6.79% Sep 25, 20266.79%▼ from 7.49% Sep 17, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Home Equity Loan - Fixed	-	-	6.99%	Up to 60 months
Details As Low As; Maximum LTV: 80.01 - 85% Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 6.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Home Equity Loan - Fixed	-	-	6.99%	Up to 180 months
Details As Low As; Maximum LTV: up to 80% Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 7.99% → 6.99% ▼ 1.00 pts · high 7.99% / low 6.99% Sep 25, 20266.99%▼ from 7.99% Sep 17, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Home Equity Line-of-Credit - Variable	-	-	7.00%	180 months
Details As Low As; Maximum LTV: up to 80%; Index: Prime (Prime Rate 6.75% as of effective date); APR based on WSJ Prime plus or minus a margin, based on credit evaluation Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Home Equity Loan - Fixed	-	-	7.24%	Up to 240 months
Details As Low As; Maximum LTV: up to 80% Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 8.49% → 7.24% ▼ 1.25 pts · high 8.49% / low 7.24% Sep 25, 20267.24%▼ from 8.49% Sep 17, 20268.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Home Equity Loan - Fixed	-	-	7.29%	Up to 84 months
Details As Low As; Maximum LTV: 80.01 - 85% Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 7.49% → 7.29% ▼ 0.20 pts · high 7.49% / low 7.29% Sep 25, 20267.29%▼ from 7.49% Sep 17, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Home Equity Loan - Fixed	-	-	7.29%	Up to 120 months
Details As Low As; Maximum LTV: 80.01 - 85% Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 7.49% → 7.29% ▼ 0.20 pts · high 7.49% / low 7.29% Sep 25, 20267.29%▼ from 7.49% Sep 17, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Home Equity Loan - Fixed	-	-	7.49%	Up to 60 months
Details As Low As; Maximum LTV: 85.01%-90% Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 6.99% → 7.49% ▲ 0.50 pts · high 7.49% / low 6.99% Sep 25, 20267.49%▲ from 6.99% Sep 17, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Home Equity Loan - Fixed	-	-	7.49%	Up to 180 months
Details As Low As; Maximum LTV: 80.01 - 85% Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 7.99% → 7.49% ▼ 0.50 pts · high 7.99% / low 7.49% Sep 25, 20267.49%▼ from 7.99% Sep 17, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Home Equity Loan - Fixed	-	-	7.74%	Up to 240 months
Details As Low As; Maximum LTV: 80.01 - 85% Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 8.49% → 7.74% ▼ 0.75 pts · high 8.49% / low 7.74% Sep 25, 20267.74%▼ from 8.49% Sep 17, 20268.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Home Equity Loan - Fixed	-	-	7.79%	Up to 84 months
Details As Low As; Maximum LTV: 85.01%-90% Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 7.49% → 7.79% ▲ 0.30 pts · high 7.79% / low 7.49% Sep 25, 20267.79%▲ from 7.49% Sep 17, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Home Equity Loan - Fixed	-	-	7.79%	Up to 120 months
Details As Low As; Maximum LTV: 85.01%-90% Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 7.49% → 7.79% ▲ 0.30 pts · high 7.79% / low 7.49% Sep 25, 20267.79%▲ from 7.49% Sep 17, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Home Equity Loan - Fixed	-	-	7.99%	Up to 180 months
Details As Low As; Maximum LTV: 85.01%-90% Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 7.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Home Equity Line-of-Credit - Variable	-	-	8.00%	180 months
Details As Low As; Maximum LTV: 80.01% to 90%; Rate: Prime + 1.00%; Index: Prime (Prime Rate 6.75% as of effective date); APR based on WSJ Prime plus or minus a margin, based on credit evaluation Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Home Equity Loan - Fixed	-	-	8.24%	Up to 240 months
Details As Low As; Maximum LTV: 85.01%-90% Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 8.49% → 8.24% ▼ 0.25 pts · high 8.49% / low 8.24% Sep 25, 20268.24%▼ from 8.49% Sep 17, 20268.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%

Agriculture Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Cars, Trucks, & Vans Loan	-	-	4.24%	Up to 36 months
Details As Low As; Model Year: 2025 - 2026; Loan Type: Fixed Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
New Cars, Trucks, & Vans Loan	-	-	4.49%	Up to 48 months
Details As Low As; Model Year: 2025 - 2026; Loan Type: Fixed Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
New Cars, Trucks, & Vans Loan	-	-	4.74%	Up to 60 months
Details As Low As; Model Year: 2025 - 2026; Loan Type: Fixed Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Used Cars, Trucks, & Vans - Up to 36 months Loan	-	-	4.79%	Up to 36 months
Details As Low As; Model Year: 2019 - 2024; Loan Type: Fixed Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.79% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Used Cars, Trucks, & Vans - Up to 48 months Loan	-	-	5.04%	Up to 48 months
Details As Low As; Model Year: 2019 - 2024; Loan Type: Fixed Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 5.04% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Used Cars, Trucks, & Vans - Up to 60 months Loan	-	-	5.29%	Up to 60 months
Details As Low As; Model Year: 2019 - 2024; Loan Type: Fixed Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 5.29% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
New Cars, Trucks, & Vans Loan	-	-	5.39%	Up to 72 months
Details As Low As; Model Year: 2025 - 2026; Loan Type: Fixed Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.39% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
New Cars, Trucks, & Vans Loan	-	-	5.74%	Up to 84 months
Details As Low As; Model Year: 2025 - 2026; Loan Type: Fixed Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Older Used Cars, Trucks, & Vans Loan	-	-	5.74%	Up to 36 months
Details As Low As; Model Year: 2018 or older; Loan Type: Fixed Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Used Cars, Trucks, & Vans - Up to 72 months Loan	-	-	5.94%	Up to 72 months
Details As Low As; Model Year: 2019 - 2024; Loan Type: Fixed Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 5.94% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Older Used Cars, Trucks, & Vans Loan	-	-	6.04%	Up to 48 months
Details As Low As; Model Year: 2018 or older; Loan Type: Fixed Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.04% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Older Used Cars, Trucks, & Vans Loan	-	-	6.29%	Up to 60 months
Details As Low As; Model Year: 2018 or older; Loan Type: Fixed Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.29% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Used Cars, Trucks, & Vans - Up to 84 months Loan	-	-	6.29%	Up to 84 months
Details As Low As; Model Year: 2019 - 2024; Loan Type: Fixed Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 6.29% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Older Used Cars, Trucks, & Vans Loan	-	-	6.94%	Up to 72 months
Details As Low As; Model Year: 2018 or older; Loan Type: Fixed Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.94% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%

Agriculture Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycles - New & Used Loan	-	7.29%	60 months
Details APR as low as; Example payment: $20,000 new or used motorcycle loan with a 60-month term at 7.29% is $398.79 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.99% → 7.29% ▲ 0.30 pts · high 7.29% / low 6.99% Oct 13, 20267.29%▲ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Motorcycles - New & Used Loan	-	7.94%	72 months
Details APR as low as Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 7.74% → 7.94% ▲ 0.20 pts · high 7.94% / low 7.74% Oct 13, 20267.94%▲ from 7.74% Sep 14, 20267.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Boats & RVs - New & Used Loan	-	8.29%	60 months
Details As Low As; Loan Type: Fixed; Maximum Term: 60 months Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.29% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Motorcycles - New & Used Loan	-	8.29%	84 months
Details APR as low as Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 8.24% → 8.29% ▲ 0.05 pts · high 8.29% / low 8.24% Oct 13, 20268.29%▲ from 8.24% Sep 14, 20268.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Boats & RVs - New & Used Loan	-	8.94%	72 months
Details As Low As; Loan Type: Fixed; Maximum Term: 72 months Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.94% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Boats & RVs - New & Used Loan	-	9.29%	84 months
Details As Low As; Loan Type: Fixed; Maximum Term: 84 months Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 9.29% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%

Agriculture Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan - 12 Months	8.99%	up to 12 months
Details As Low As; Fixed-rate personal loan; Loan amounts $500 to $30,000; Post-secondary school loans not eligible Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Personal Loan - Fixed Up to 12 months	8.99%	up to 12 months
Details As Low As; Maximum Term: up to 12 months; Example: $1,000 personal loan, 36-month term at 9.99% APR is $32.27 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Personal Loan - 24 Months	9.49%	up to 24 months
Details As Low As; Fixed-rate personal loan; Loan amounts $500 to $30,000; Post-secondary school loans not eligible Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 9.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Personal Loan - Fixed Up to 24 months	9.49%	up to 24 months
Details As Low As; Maximum Term: up to 24 months; Example: $1,000 personal loan, 36-month term at 9.99% APR is $32.27 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 9.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Personal Loan - 36 Months	9.99%	up to 36 months
Details As Low As; Fixed-rate personal loan; Loan amounts $500 to $30,000; Post-secondary school loans not eligible Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Personal Loan - Fixed Up to 36 months	9.99%	up to 36 months
Details As Low As; Maximum Term: up to 36 months; Example: $1,000 personal loan, 36-month term at 9.99% APR is $32.27 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Personal Loan - 48 Months	10.49%	up to 48 months
Details As Low As; Fixed-rate personal loan; Loan amounts $500 to $30,000; Post-secondary school loans not eligible Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 10.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Personal Loan - Fixed Up to 48 months	10.49%	up to 48 months
Details As Low As; Maximum Term: up to 48 months; Example: $1,000 personal loan, 36-month term at 9.99% APR is $32.27 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 10.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Personal Loan - 60 Months	10.99%	up to 60 months
Details As Low As; Fixed-rate personal loan; Loan amounts $500 to $30,000; Post-secondary school loans not eligible Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 10.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Personal Loan - Fixed Up to 60 months	10.99%	up to 60 months
Details As Low As; Maximum Term: up to 60 months; Example: $1,000 personal loan, 36-month term at 9.99% APR is $32.27 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 10.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%

Agriculture Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
LifeLine of Credit	-	-	13.00%	Revolving
Details As Low As; Variable rate: Prime + 6.00%; APR is based on the Prime Rate published in the Wall Street Journal plus or minus a margin; Prime Rate is 6.75% as of the effective date Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 13.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Advantage Save	3.50%	-	3.55%
Min Balance $0 Details Balance: $0.01-$25,000.00; Frequency: Monthly Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30% Oct 23, 20263.55%▲ from 3.30% Oct 22, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Advantage Save	0.15%	-	0.15%
Min Balance $25,000 Details Balance: $25,000.01+; Frequency: Monthly Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Advantage Spend	2.47%	-	2.50%
Min Balance $0 Details Balance: $0.01-$20,000.00; Frequency: Monthly Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
All-Stars/Young Millionaires	5.84%	-	6.00%
Min Balance $0 Details Balance: $0.01 - $1,000; Qualifying balance up to $1,000.00; Frequency: Monthly Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 6.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Certificate - 12 Months	3.50%	-	3.55%	12 Months
Min Deposit $250 Details Frequency: Quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 3.25% → 3.55% ▲ 0.30 pts · high 3.55% / low 3.25% Oct 23, 20263.55%▲ from 3.25% Oct 22, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Certificate - 18 Months	3.65%	-	3.70%	18 Months
Min Deposit $250 Details Frequency: Quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 3.35% → 3.70% ▲ 0.35 pts · high 3.70% / low 3.35% Oct 23, 20263.70%▲ from 3.35% Oct 22, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Certificate - 24 Months	3.84%	-	3.90%	24 Months
Min Deposit $250 Details Frequency: Quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 3.45% → 3.90% ▲ 0.45 pts · high 3.90% / low 3.45% Oct 23, 20263.90%▲ from 3.45% Oct 22, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Certificate - 36 Months	3.94%	-	4.00%	36 Months
Min Deposit $250 Details Frequency: Quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50% Oct 23, 20264.00%▲ from 3.50% Oct 22, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Certificate - 48 Months	3.99%	-	4.05%	48 Months
Min Deposit $250 Details Frequency: Quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55% Oct 23, 20264.05%▲ from 3.55% Oct 22, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Certificate - 6 Months	3.36%	-	3.40%	6 Months
Min Deposit $250 Details Frequency: Quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15% Oct 23, 20263.40%▲ from 3.15% Oct 22, 20263.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%
Certificate - 60 Months	4.04%	-	4.10%	60 Months
Min Deposit $250 Details Frequency: Quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60% Oct 23, 20264.10%▲ from 3.60% Oct 22, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.37%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Agriculture Federal Credit Union’s Texas Ratio fell from 3.25% in Q3 2023 to 2.37% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$351M	2.37%	5.0	A+
March 31, 2026	$353M	3.95%	5.0	A+
December 31, 2025	$349M	2.81%	5.0	A+
September 30, 2025	$350M	1.81%	5.0	A+
June 30, 2025	$356M	1.84%	5.0	A+
March 31, 2025	$363M	1.97%	5.0	A+
December 31, 2024	$353M	2.50%	5.0	A+
September 30, 2024	$356M	2.35%	5.0	A+
June 30, 2024	$365M	1.96%	5.0	A+
March 31, 2024	$373M	2.09%	5.0	A+
December 31, 2023	$359M	3.31%	5.0	A+
September 30, 2023	$368M	3.25%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Agriculture Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Agriculture Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Agriculture Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Agriculture Federal Credit Union

Website https://www.agfed.org/

Address 1400 Independence Ave SW, Washington, DC 20250

Phone 202-479-2270

Fax 202-479-3821

President Elard Phillips

CEO Margie Click

Full-Time Employees 45

Part-Time Employees 0

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.37%

Return on Assets (ROA)

0.3424%

Return on Equity (ROE)

2.7645%

Non-Performing Loans Ratio (NPL)

0.52%

Total Assets

350,690,031

Total Amount of Shares and Deposits

308,992,084

Total Shares and Deposits < 1 Year

287,018,822

Total Shares and Deposits 1 3 Years

16,508,975

Total Shares and Deposits > 3 Years

5,464,288

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

47,295,882

Total Uninsured Shares and Deposits > $250K (F+J)

47,295,882

Total Insured Shares and Deposits > $250K (item 17 less item K)

261,696,202

Total Interest Expense (Sum of items 6 8)

1,397,110

Share Certificates

2,881

Number of Accounts for Share Drafts

8,241

IRA KEOGH Accounts

783

Number of Accounts for Regular Shares

25,965

All other shares

Money Market Shares

1,036

Net Income (unless the amount is already included in Undivided Earnings)

1,200,627

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

48,255,219

Total Liabilities

310,234,543

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Agriculture Federal Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Agriculture Federal Credit Union

Does Agriculture Federal Credit Union offer CDs?

Yes. Agriculture Federal Credit Union current CD rates include its 60 Month CD at 4.10% APY, its 48 Month CD at 4.05% APY and its 36 Month CD at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Agriculture Federal Credit Union NCUA insured?

Yes. Agriculture Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Agriculture Federal Credit Union?

The highest Agriculture Federal Credit Union CD rate is its 60 Month CD at 4.10% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Agriculture Federal Credit Union offer?

Agriculture Federal Credit Union CD rates are 3.30% APY for a 12 month CD, 3.70% APY for an 18 month CD, 3.90% APY for a 2 year CD, 4.00% APY for a 3 year CD, 4.05% APY for a 4 year CD and 4.10% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Agriculture Federal Credit Union for its full lineup.

What is the highest savings rate at Agriculture Federal Credit Union?

The highest Agriculture Federal Credit Union savings rate is its IRA Savings at 0.05% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Agriculture Federal Credit Union?

The highest Agriculture Federal Credit Union money market rate is its Money Market Savings at 1.40% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Agriculture Federal Credit Union?

The lowest Agriculture Federal Credit Union auto loan rate is its New Cars, Trucks, & Vans Loan at 4.24% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Agriculture Federal Credit Union?

The lowest Agriculture Federal Credit Union personal loan rate is its Personal Loan - 12 Months at 8.99% APR, verified by MonitorBankRates as of October 29, 2026. Agriculture Federal Credit Union personal loan rates are 8.99% APR for a 12 month personal loan, 9.49% APR for a 24 month personal loan, 9.99% APR for a 36 month personal loan, 10.49% APR for a 48 month personal loan and 10.99% APR for a 60 month personal loan.

How many branches does Agriculture Federal Credit Union operate?

Agriculture Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Agriculture Federal Credit Union?

Yes, to access services at Agriculture Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Agriculture Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Agriculture Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Agriculture Federal Credit Union offer online and mobile banking?

Most modern institutions like Agriculture Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.agfed.org/.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Agriculture Federal Credit Union rates compare?

Agriculture Federal Credit Union's CD rates are 32% higher than the MonitorBankRates national average, and it has an A+ health rating. Agriculture Federal Credit Union's top rates are its 60 Month CD at 4.10% APY, its Money Market Savings at 1.40% APY and its Personal Loan - 12 Months at 8.99% APR, verified by MonitorBankRates on October 29, 2026.

Current Agriculture Federal Credit Union Rates

12-Month CD3.30%
18-Month CD3.45%
24-Month CD3.65%
60-Month CD4.10%
Savings1.40%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Agriculture Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Agriculture Federal Credit Union Texas Ratio

Agriculture Federal Credit Union Health Trend

Agriculture Federal Credit Union CD Rates

Agriculture Federal Credit Union Savings Rates

Agriculture Federal Credit Union Money Market Rates

Agriculture Federal Credit Union Checking Rates

Agriculture Federal Credit Union Home Equity & HELOC

Agriculture Federal Credit Union Auto Loan Rates

Agriculture Federal Credit Union RV, Boat and Powersport Loan Rates

Agriculture Federal Credit Union Personal Loan Rates

Agriculture Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Agriculture Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Agriculture Federal Credit Union

Does Agriculture Federal Credit Union offer CDs?

Are CDs from Agriculture Federal Credit Union NCUA insured?

What is the highest CD rate at Agriculture Federal Credit Union?

What CD terms does Agriculture Federal Credit Union offer?

What is the highest savings rate at Agriculture Federal Credit Union?

What is the highest money market rate at Agriculture Federal Credit Union?

What is the lowest auto loan rate at Agriculture Federal Credit Union?

What is the lowest personal loan rate at Agriculture Federal Credit Union?

How many branches does Agriculture Federal Credit Union operate?

Is a member application needed to join Agriculture Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Agriculture Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Agriculture Federal Credit Union rates compare?

Current Agriculture Federal Credit Union Rates

Compare to Other Credit Unions