PO Box 360
Alba, TX. 75410-0360

Tel: +(903) 765-2425

Rates

 

Share Rates0.75% APR   0.75%APY

 

Share Certificate

(minimum deposit $ 5,000.00)

1 year – .90% APR   .90% APY

2 years – 1.10% APR   1.11% APY

The penalty for early withdrawal on Share Certificates is 90 days Interest

 

Jumbo Certificate

(minimum deposit $ 100,000.00)

1 year – 1.20% APR   1.21% APY

2 year – 1.30% APR   1.31% APY

 

 

Loan Rates

Share Secured – 2% APR above the stated rate on share savings at the time of loan

Share Certificates – 2% APR above the stated rate on Share Certificate at the time of loan

Signature (small personal loan) – 7.75% APR to 13.75% APR

**Rates are based on credit score

**Qualifying Signature Loan amounts are based on credit score

**To qualify for a Signature Loan, you must have a previous collateralized loan with AGFCU with at least 6 months current payment history

 

New Autos, Boats, RV’s, Motorcycles, Tractor & Other Equipment, and all other – 3.25% APR to 13.75% APR

Used Autos, Boats, RV’s, Motorcycles, Tractor & Other Equipment, and all other – 4.0% APR to 14.50% APR

**Rates are based on credit score

 

*** Rates are current as of press date and are subject to change without prior notice.

 

Fees and Charges

Late Fee –  $20.00

Documentation Fee for all collateral loans – $60.00

Documentation Fee for Share and Share Certificate loans – $10.00

Documentation Fee for Signature loans- 4.0% of amount requested not to exceed $60.00

Return Check Charge – $30.00

Copies/Received Fax – 15¢ each page

Notary  – Members: Free

Notary – Non-Members: $6.00

Fax – Local number or toll free numbers: Free

          Long Distance number: $1.00 per page (excluding cover sheet)

**Please contact the credit union for any additional fees and terms if applicable**

 

REPOSSESSIONS FOR SALE AT THE CREDIT UNION

None at the time.  Please contact AGFCU periodically for updates on available Repos