Agency Secured Line of Credit

SEPTEMBER 2024 DIRECT DEPOSIT / 2% LOAN DISCOUNT PROMOTION: Up to 2.00% rate discount on qualifying loan is for a current or newly established minimum of $1,000 monthly Direct Deposit into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment Deduction as a repayment method to qualify. Offer subject to change or cancellation at any time. Direct deposit loan rate discount available if at time prior to loan funding (a) member has a current or newly established recurring monthly direct deposit of at least $1,000 from net pay, pension or government benefits, and (b) member is obtaining a FIGFCU loan. Maximum available loan rate discount 2.00% if member is eligible to combine direct deposit discount with other available discount a maximum of 2.00% shall be applied. If direct deposit stops before loan is paid off, loan interest rate will increase by 2.00%. Other restrictions may apply. All loans subject to credit approval. Rate and terms subject to change without notice.

Promotion Offering applies only to Consumer accounts; must be in good standing. Guardian, rep payee or executor, collections charge-off, business, and/or organizational accounts are ineligible. Must be 18 years of age or older. FIGFCU reserves the right to end or modify this promotion without notice. Member cannot take advantage of promotion more than once. Cannot be combined with any other account promotion for a discount over 2%. Visit figfcu.org for account details, minimums, and fees. Federally insured by NCUA. Subject to employer and/or payer terms and conditions. FIGFCU will generally post payroll direct deposits on the day they are received, other exceptions may apply. Promo Period: September 3, 2024 to October 11, 2024. Signature Loans, Business Signature Loans and Agency Acquisition Loans not eligible for refinancing.

Available to new and existing members that apply for eligible loans during the promotional period. Direct Deposit/Folio Direct Deposit into a FIGFCU Checking Account (either High Yield or CashBack) in the amount of $1,000.00 or more monthly and Automatic Payment/Folio Deduction to the loan is required. Loan and checking account with Direct Deposit must be under Primary Membership. (Checking/Direct Deposit can NOT be to a joint checking account under a different membership. Signature Loans, Business Signature Loans and Agency Acquisition Loans not eligible for refinancing. Refinance Fees are as follows:    Vehicle Loans - $200 refinance fee unless $4,000 in new money is added to the loan, Agency/Business Secured Loans - $400 refinance fee unless $10,000 in new money is added to the loan. Home Equity Loans/HELOC’s - $500 refinance fee for loans booked within the last 12 months, unless $20,000 new money is added to the loan. Interest Rate shown on final loan disclosures will be the higher rate prior to the discount. Loan will be booked with the lower discounted rate. Direct Deposit Addendum will be signed with closing loan disclosures.