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Farmers Insurance Federal Credit Union

Routing Number: 322077795

Father and son working on home project

Personal Loans

Loan Rates That Perform!

There are countless reasons why you might need a loan or line of credit, from home improvement projects and down payments, to starting up a business or fixing a temporary cash-flow problem. Our loans cover any situation with great terms, generous credit limits, and an easy application process. But don’t take our word for it, check out our options below.

Apply online or visit a Credit Union branch location.

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Signature Loan

Perfect for major purchases, consolidating debt or educational costs, and, with a Signature Loan, you won’t get dinged with a prepayment penalty.

  • Terms up to 60 months
  • Borrow up to $40,000
  • Rates as low as 9.99% APR† for qualifying borrowers who enroll in Direct Deposit and Auto Pay (If you do not enroll, rates as low as 10.99% APR)

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Signature Line of Credit

Think of a Signature Line of Credit as twice the peace of mind. You see, you can access your funds whenever you need them most, plus this line of credit provides overdraft protection for your checking account.

  • Credit limits up to $40,000
  • Variable rate as low as 11.24% APR† for qualifying borrowers who enroll in Direct Deposit and Auto Pay (If you do not enroll, rates as low as 12.24% APR)

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Secured Loan

Secure your loan and get a better rate. And you don’t have to worry about risking a thing, because you borrow against the funds that are already in your Membership Savings account.

  • Terms up to 96 months
  • Rate is equal to current Membership Savings rate plus 2%
  • Dividends will continue to be paid on the full amount in the Membership Savings account
  • Collateral funds will be frozen and become available as the loan is paid

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Certificate Secured Loan

Securing your loan with a certificate gives you two perks. You get a low-rate loan and you can borrow up to 95% of the certificate amount. You can also choose from a variety of flexible repayment options.

  • Loan term up to the term of the certificate
  • Can be repaid over the term of the certificate or as one payment due at certificate maturity
  • Not available for IRA certificates
  • Rates as low as Certificate rate plus 1.00%

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*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 any time. Your actual credit rate is based on credit worthiness.

1.00% rate discount is for a minimum of $1,000 monthly ACH Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account and Auto Pay/Folio Deduction as a repayment method to qualify. Rates are subject to change at any time. Rates effective as of June 8, 2026.