FIGFCU Agency Loans | Grow Your Agency With Low-Rate Financing
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Agency Loans

We’ve Got Our Agents' Backs.

You’ve got access to a 1.00%* rate discount on most agency loans, but only with Direct Deposit.

Agency Secured/CV Loan

These loans are designed to help Farmers agents borrow against their established Contract Value (CV) and get our lowest agency loan rates. And we make the application process quick and easy, so you get your money faster.

  • Rates as low as 9.49% APR+
  • Borrow up to 60% of your Contract Value3
  • Up to a 15-year term

Learn more about Agency Secured Loans


Agency Secured/CV Line of Credit

While you can’t anticipate the unexpected, you can be prepared for it. And, if you have established Contract Value (CV), you may qualify for a line of credit, which you could access anytime for unplanned agency costs.

Learn more about Agency Secured Line of Credit


Business Signature Loan

Our multi-purpose Business Signature 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 13.74% APR*

Learn more about our Business Signature Loan


Business Signature Line Of Credit

Every expense or emergency cannot be planned for, but you can be prepared. Our Business Signature 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 Signature Line of Credit


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


Commercial Real Estate (CRE) Loans

Stop putting money into someone else’s pocket. Buy your office space with a Credit Union CRE Loan. You can borrow up to 75% of your Contract Value toward the down payment (owner-occupied property only), if building is/will be financed with the Credit Union on new office space or for refinancing your current building. Otherwise, Agents can borrow up to 60% of Contract Value. 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)

*Owner Occupied Properties Only and Maximum 65% LTV

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 9.49% 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


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


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


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 Direct Deposit into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction. Rates are subject to change at anytime.