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Agriculture Federal Credit Union

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Agriculture Federal Credit Union Rates & Review May 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 15, 2026

Agriculture Federal Credit Union's Personal Loan Rates are at 9.99%. 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 1.89%. Rates were last updated on 05/15/2026.

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.

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Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.89%

Excellent Lower than avg

Agriculture Federal Credit Union
South Building

1400 Independence Ave SW
Washington, DC 20250

https://www.agfed.org/

Agriculture Federal Credit Union Personal Loan Rates

Product	Rate	APR	View More
Personal Loan Fixed	-	9.99%
Details As Low As Last Updated 05/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.89%

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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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 43

Part-Time Employees 0

Branch Locations 2

ATM Locations 4

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

1.89%

Return on Assets (ROA)

0.3598%

Return on Equity (ROE)

3.0142%

Non-Performing Loans Ratio (NPL)

0.37%

Total Assets

350,277,797

Total Amount of Shares and Deposits

309,903,047

Total Shares and Deposits < 1 Year

283,649,163

Total Shares and Deposits 1 3 Years

19,995,475

Total Shares and Deposits > 3 Years

6,258,409

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

45,758,121

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

45,758,121

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

264,144,926

Total Interest Expense (Sum of items 6 8)

2,536,212

Share Certificates

3,020

Number of Accounts for Share Drafts

8,663

IRA KEOGH Accounts

811

Number of Accounts for Regular Shares

27,039

All other shares

Money Market Shares

1,058

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

1,260,458

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

44,889,240

Total Liabilities

311,299,707

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Agriculture Federal Credit Union earned the Verified Strong badge

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Customer Reviews

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Frequently Asked Questions About Agriculture Federal Credit Union

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/.