--- title: "Farmers Insurance Credit Union Rates (Nov 2026): Mortgage 6.59%" description: "Farmers Insurance Credit Union rates today: 30 year fixed mortgage 6.59% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Farmers Insurance Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/california/farmers-insurance" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Farmers Insurance Credit Union Rates (Nov 2026): Mortgage 6.59% ### Mortgage rates 3 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 6.592% APR | 6.490% | — | Standard | | **Preferred Agent Mortgage (PAM)** other | — APR | 7.875% | — | Standard | | **Combo *2nd mortgage** other | 11.071% APR | 10.990% | — | Standard | Farmers Insurance Credit Union mortgage rates as of November 13, 2026 ### Auto & vehicle rates 15 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 4.990% | — | Standard | | **by up to $250/month (60 Months)** auto_any_60mo | — APR | 5.490% | 60 mo | Standard | | **by up to $250/month (72 Months)** auto_any_72mo | — APR | 5.740% | 72 mo | Standard | | **by up to $250/month (84 Months)** auto_any_84mo | — APR | 5.990% | 84 mo | Standard | | **Auto Loans (New and used vehicles) (36 months)** auto_any_36mo | — APR | 5.990% | 36 mo · any | Standard | | **Auto Loans (New and used vehicles) (48 months)** auto_any_48mo | — APR | 6.240% | 48 mo · any | Standard | | **Auto Loans (New and used vehicles) (60 months)** auto_any_60mo | — APR | 6.490% | 60 mo · any | Standard | | **by up to $250/month (96 Months)** auto_any_96mo | — APR | 6.490% | 96 mo | Standard | | **Auto Loans (New and used vehicles) (72 months)** auto_any_72mo | — APR | 6.740% | 72 mo · any | Standard | | **Auto Loans (New and used vehicles) (84 Months)** auto_any_84mo | — APR | 6.990% | 84 mo · any | Standard | | **48-Month RV Loan** rv_any_48mo | — APR | 6.990% | 48 mo | Standard | | **60-Month RV Loan** rv_any_60mo | — APR | 7.490% | 60 mo | Standard | | **Auto Loans (New and used vehicles) (96 Months)** auto_any_96mo | — APR | 7.490% | 96 mo · any | Standard | | **RV and Travel Trailer Loans (61 - 72 months)** rv_any_72mo | — APR | 7.990% | 72 mo | Standard | | **RV and Travel Trailer Loans (73 - 120 months)** rv_any_120mo | — APR | 8.490% | 120 mo | Standard | Farmers Insurance Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 6.990% | — | Standard | Farmers Insurance Credit Union heloc rates as of November 13, 2026 ### Savings & CD rates 42 offers | Product | Published | Rate | Term / condition | Status | | **Rate + APY *** savings | — APY | 0.05% | — | Standard | | **Rate +** savings | — APY | 0.05% | — | Standard | | **Rate +** savings | — APY | 0.10% | — | Standard | | **Money Market** money_market | — APY | 0.10% | — | Standard | | **Variable Rate IRA** ira | — APY | 0.15% | — | Standard | | **Rate +** savings | — APY | 0.15% | — | Standard | | **Rate +** savings | — APY | 0.20% | — | Standard | | **Rate +** savings | — APY | 0.25% | — | Standard | | **Rate + --> APY *** savings | — APY | 0.25% | — | Standard | | **Money Market with Direct Deposit (Rate +)** money_market | — APY | 0.30% | — | Standard | | **3-Month Certificate** cd_3mo | — APY | 2.00% | 3 mo | Standard | | **High Yield IRA Savings** ira | — APY | 2.25% | — | Standard | | **Online Savings** savings | — APY | 2.75% | — | Standard | | **24-Month Certificate** cd_24mo | — APY | 2.75% | 24 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 2.75% | 6 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 2.75% | 18 mo | Standard | | **9-Month Certificate** cd_9mo | — APY | 2.85% | 9 mo | Standard | | **30-Month Certificate** cd_30mo | — APY | 3.00% | 30 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.25% | 12 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.25% | 36 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.40% | 36 mo | Standard | | **JUMBO CERTIFICATES (36 months)** cd_36mo | — APY | 3.50% | 36 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.50% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 3.50% | 48 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 3.65% | 48 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.65% | 36 mo | Standard | | **JUMBO CERTIFICATES (48 months)** cd_48mo | — APY | 3.75% | 48 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 3.75% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 3.75% | 60 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 3.90% | 60 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 3.90% | 48 mo | Standard | | **Limited Time 6-Month Certificate** cd_6mo | — APY | 4.00% | 6 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 4.00% | 60 mo | Standard | | **Limited Time 3-Month Certificate** cd_3mo | — APY | 4.00% | 3 mo | Standard | | **JUMBO CERTIFICATES (60 months)** cd_60mo | — APY | 4.00% | 60 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 4.15% | 60 mo | Standard | | **Limited Time Flex-Term Certificate (3, 6, 9 months)** cd_9mo | — APY | 4.30% | 9 mo | Standard | | **Limited Time Flex-Term Certificate (12, 18, 24, 36, 48, 60 months)** cd_60mo | — APY | 4.30% | 60 mo | Standard | | **Rate +** savings | — APY | 5.00% | — | Standard | | **High Yield Checking** checking | — APY | 5.00% | — | Standard | | **72-Month Certificate** cd_72mo | — APY | 5.74% | 72 mo | Standard | | **84-Month Certificate** cd_84mo | — APY | 5.99% | 84 mo | Standard | Farmers Insurance Credit Union savings & cd rates as of November 13, 2026 As of November 13, 2026, Farmers Insurance Credit Union offers a 30-year fixed mortgage at 6.592% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/california/farmers-insurance) , verified from [Farmers Insurance Credit Union's official website](https://figfcu.org/) Best product position **Better than the California median** 30-year fixed mortgage Gap to state best **6 bp** 6 bp from state best Vs. state median **57 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked California markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.59% | Better than the California median | 6 bp from state best | 57 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Farmers Insurance Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=farmers-insurance&state=california&code=CA&name=Farmers%20Insurance%20Credit%20Union) Loading branch locator… ## About Farmers Insurance Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 63.7K Assets $1.4B Founded 1936 Locations reported 9 NCUA charter 1074 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Premier America** Burbank Empire · Burbank · CA · 91502-1645 About 1.6 miles away](https://rateapi.dev/credit-unions/california/premier-america) [**Clearpath** Burbank Headquarter · Burbank · CA · 91502 About 2.0 miles away](https://rateapi.dev/credit-unions/california/clearpath) [**Universal City Studios** 175 E Olive Avenue Burbank CA 91502-1823 · Burbank · CA · 91502-1853 About 2.3 miles away](https://rateapi.dev/credit-unions/california/universal-city-studios) [**Logix** Burbank · Burbank · CA · 91502-1845 About 2.3 miles away](https://rateapi.dev/credit-unions/california/logix) [**Partners** Headquarters · Burbank · CA · 91502-1818 About 2.3 miles away](https://rateapi.dev/credit-unions/california/partners) [**Gain** 1800 W. Magnolia Blvd · Burbank · CA · 91506-1726 About 2.7 miles away](https://rateapi.dev/credit-unions/california/gain) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Farmers Insurance Credit Union Membership eligibility from Farmers Insurance Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Farmers Insurance Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Farmers - Association American Consumer Council Verified from [Farmers Insurance Credit Union's membership page](https://figfcu.org/become-member) . Final membership determination is always made by the credit union. ## Membership rules for Farmers Insurance Credit Union Employers · Associations · Family 3 published paths to membership, last verified August 21, 2026, quoted from Farmers Insurance Credit Union’s own published criteria. ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Farmers “A Farmers employee or agent” > [source ↗](https://figfcu.org/become-member) - Employee of Farmers ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of American Consumer Council “Anyone else who resides in the United States or its territories, and citizens of the United States, can join through the American Consumer Council (ACC) – at no cost to you!” > [source ↗](https://figfcu.org/become-member) - Member of American Consumer Council ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member relative “A relative of a current FIGFCU Member” > [source ↗](https://figfcu.org/become-member) - Family member (relative) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Farmers Insurance Credit Union? Yes No ## Work at Farmers Insurance Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Farmers Insurance Credit Union ranks against California peers. - See which AI assistants fetched Farmers Insurance Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in California - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=farmers-insurance&state=california&code=CA&name=Farmers%20Insurance%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Farmers Insurance Credit Union offer? Farmers Insurance Credit Union currently offers mortgage, vehicle loan, and HELOC rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Farmers Insurance Credit Union rates updated? RateAPI verifies Farmers Insurance Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Farmers Insurance Credit Union's rate data? Rate data is collected directly from Farmers Insurance Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Farmers Insurance Credit Union's mortgage rate? As of November 13, 2026, Farmers Insurance Credit Union offers a 30-year fixed mortgage at 6.592% APR. ### Who can join Farmers Insurance Credit Union? Farmers Insurance Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 1 employer and 1 association for Farmers Insurance Credit Union, each quoted from Farmers Insurance Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Farmers Insurance Credit Union's rates against national credit-union benchmarks. [More California credit unions](https://rateapi.dev/credit-unions/california) [California mortgage rate leaders](https://rateapi.dev/mortgage-rates/california) [California auto loan rate leaders](https://rateapi.dev/auto-loan-rates/california) [California HELOC rate leaders](https://rateapi.dev/heloc-rates/california) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://figfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Farmers Insurance Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when California credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Farmers Insurance Credit Union curl "https://api.rateapi.dev/credit-unions/california /farmers-insurance " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Farmers Insurance Credit Union locations Search, filter, and browse all 9 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/california/farmers-insurance Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp