Farmers Secured Line Credit | Cover Unexpected Costs | Apply Now
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Farmers Insurance Federal Credit Union

Routing Number: 322077795

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Farmers Secured Line of Credit

Unexpected Low Rates for the Unexpected

Plan now for the unexpected. If you have established Contract Value, you may qualify for a line of credit, which you can access anytime for unplanned agency expenses. Turn your hard work into the money you need until sunny times return.

The advantages of a Farmers Secured Line of Credit include:

  • Rates as low as 9.49% APR*
  • Credit limit up to $100,000!
  • Borrow up to 50% of your Contract Value
  • Direct Deposit of your full Agent Net Check required
  • Minimum FICO 640
  • Applicable fees:
    • Non-refundable loan application fee: $250
    • Loan closing fee of 1% of the total loan with a maximum of $2,500 
    • UCC lien is required: $50 UCC fee 

Apply Now

*The interest rate shown is FIGFCU’s current interest rate, based on credit worthiness and minimum FICO Score. Other interest rates, fees, costs, and terms may be available and may change at any time, without notice, and are subject to credit approval. In order to qualify for this loan, agent must have their full Agent Net Check Direct Deposit going into their FIGFCU Checking Account (either High Yield or CashBack) and Automatic Payment/Folio Deduction for the entirety of the Loan.


This loan is subject to fees, costs, and approval.  The loan is subject to a non-refundable application fee. Approved loans will be charged UCC fees and closing costs. The amount of your closing cost will be dependent upon the amount of your loan. Please contact us to determine how much your particular closing costs will be. As long as the loan is outstanding all folio, commission, bonus, and other payments owed by Farmers Insurance Group of Companies must be remitted through a Credit Union checking account. For individuals who were members before January 1, 2025, please talk to us about possible alternatives to having your entire folio, etc., payments remitted through your Credit Union checking account. Borrower agrees that the application fees must be paid prior to the application being processed. Payment of Loan Application Fees is not a guarantee of credit approval. There are no prepayment fees. 

There is a $500 repricing/loan modification fee for Agency Loans.