FIGFCU Agency Loans | Low-Rate Financing To Grow Your Agency
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Farmers Insurance Federal Credit Union

Routing Number: 322077795

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Agency Loans

We’ve Got Our Agents' Backs.

Business Secured Loan

Our multi-purpose Business Secured Loan allows agents to receive an exceptional-value “Swiss Army Knife” loan that provides low-cost, flexible financing in one convenient package. 

  • Terms up to 84 months
  • Borrow up to $100,000
  •  Rates as low as 13.49% APR*

Learn more about our Business Secured Loan

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Business Secured Line Of Credit

Every expense or emergency cannot be planned for, but you can be prepared. Our Business Secured Line of Credit allows you access to funds when you need it most. 

  • Borrow up to $100,000
  • Rates as low as 14.49% APR*

Learn more about Business Secured Line of Credit

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Agency Staffing Loan

Our Agency Staffing Loan is specially designed to make paying for new staff easier. 

Agency Staffing Loan is a great way to get your new hire up and producing. And with our competitive rates, you and your cash flow will like the affordable monthly payments.

Staffing up for a faster, better recovery is now within reach!

Learn more about Agency Staffing Loan

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Commercial Real Estate (CRE) Loans

Stop putting money into someone else’s pocket. Buy your office space with a Credit Union CRE Loan. Both fixed and variable rates are available (depending on your qualifications) on loans from $50,000 to $5,000,000.

  • Financing available for Offices, Office Condos, Retail/Retail Strip, Apartment Buildings 5-Units+
  • Terms up to 15 years*
  • Amortization up to 30 years
  • No pre-payment penalties
  • Minimum 20% down payment required.
  • Investment property financing available (rates and terms are subject to property type and leases)

Learn more about Commercial Real Estate Loans.

Agency Acquisition Loan

Thinking of buying an agency? The Credit Union makes the agency purchasing process simple.

  • Borrow against your Contract Value (up to 75%) with rates as low as 7.49% APR9

Need more money?

  • Get an Agency Acquisition Loan with rates as low as 13.99% APR†
  • Terms up to 180 months
  • Easy application process means you get your money quickly

Learn more about Agency Acquisition Loan

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Protégé Loans

Our Protégé Loan program was developed specifically to meet the needs of established Farmers agents and their agents in the program. Our low rates help keep loan payments low, while supporting a protégé before they start producing. They are also a great way for new agents to seed and build a business while cash flow is tight.

Learn more about Protégé Loans

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Preferred Agent Mortgage (PAM)

If you deduct big tax write-offs—or don’t have 2 years of tax returns—your bank will probably penalize you. Not here. We can use your Folio and Statement of Operations to help get you qualified and on better terms/rates. 

  • Maximum Loan-To-Value: 80%
  • FICO 620+
  • Fixed and Adjustable Rate options 

Learn more about Preferred Agent Mortgage

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*Offer valid on Direct Deposit Payroll enrollment into a Credit Union share account. This offer may be withdrawn at any time. Only Farmers’ employees qualify for payroll deposit up to two days early. Subject to employer and/or payer terms and conditions. FIGFCU will generally post Farmers payroll direct deposits on the day they are received, which will be up to two days earlier than the scheduled posting date. Other exceptions may apply.

  • Direct Deposit/Agent Net Check into a FIGFCU Checking Account (either High Yield or CashBack) and Automatic Payment/Folio Deduction to the loan is required.
  • Loan and checking account with DDEP must be under Primary Membership. (Checking/DDEP can NOT be to a joint checking account under a different membership.)  

†1.00% rates discount is for a minimum of $1,000 monthly Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction as a repayment method to qualify. Rates are subject to change at anytime.

APR = Annual Percentage Rate. APR is the annual rate of interest that is paid on an investment, without taking into account the compounding interest within that year. Rates are subject to change at anytime.

Rates discount is for a minimum of $1,000 monthly Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction as a repayment method to qualify. Rates are subject to change at anytime.