--- title: "Afgm Enterprises Credit Union Rates (Nov 2026): Mortgage 7.28%" description: "Afgm Enterprises Credit Union rates today: 30 year fixed mortgage 7.28% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Afgm Enterprises Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/afgm-enterprises" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Afgm Enterprises Credit Union Rates (Nov 2026): Mortgage 7.28% ### Mortgage rates 6 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.281% APR | 7.125% | — | Standard | | **USDA 30-Year Fixed** 30 year fixed | 7.808% APR | 7.125% | — | Standard | | **VA 30-Year Fixed** 30 year fixed | 7.943% APR | 7.500% | — | Standard | | **FHA 30-Year Fixed** 30 year fixed | 8.488% APR | 7.500% | — | Standard | | **15-Year Fixed** 15 year fixed | 7.249% APR | 7.000% | — | Standard | | **20-Year Fixed** 20 year fixed | 7.582% APR | 7.375% | — | Standard | Afgm Enterprises Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 7 offers | Product | Published | Rate | Term / condition | Status | | **New Auto / Truck (60 months)** auto_new_60mo | — APR | 3.000% | 60 mo · new | Standard | | **New Auto / Truck (61 - 72 months)** auto_new_72mo | — APR | 3.500% | 72 mo · new | Standard | | **5+ Year Old Auto** auto | — APR | 3.750% | — | Standard | | **3 And 4 Year Old Auto** auto_any_48mo | — APR | 3.750% | 48 mo | Standard | | **1 And 2 Year Old Auto** auto_any_24mo | — APR | 3.750% | 24 mo | Standard | | **New Auto / Truck (73 - 84 months)** auto_new_84mo | — APR | 4.000% | 84 mo · new | Standard | | **Recreational Vehicle / Motorcycles** rv | — APR | 6.500% | — | Standard | Afgm Enterprises Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Personal Loan** personal | — APR | 4.250% | — | Standard | Afgm Enterprises Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Christmas Club** savings | — APY | 0.05% | — | Specialty offer | | **Savings** share_savings | — APY | 0.25% | — | Standard | | **Pledged Loan** savings | — APY | 3.00% | — | Standard | | **6-Month Certificate** cd_6mo | — APY | 3.75% | 6 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 3.90% | 18 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 4.90% | 24 mo | Standard | Afgm Enterprises Credit Union savings & cd rates as of November 12, 2026 As of November 12, 2026, Afgm Enterprises Credit Union offers a 30-year fixed mortgage at 7.281% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/afgm-enterprises) , verified from [Afgm Enterprises Credit Union's official website](http://www.afgmentfcu.com/) Best product position **Room to improve vs. the New York median** 30-year fixed mortgage Gap to state best **75 bp** 75 bp from state best Vs. state median **6 bp behind median** 30-year fixed mortgage Products ranked **1** across tracked New York markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.28% | Room to improve vs. the New York median | 75 bp from state best | 6 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Afgm Enterprises 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=afgm-enterprises&state=new-york&code=NY&name=Afgm%20Enterprises%20Credit%20Union) Loading branch locator… ## About Afgm Enterprises Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1.2K Assets $13.6M Founded 1963 Locations reported 1 NCUA charter 15618 Charter type Federal credit union ### Services and member support - Electronic statements - Student scholarships 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. [**One Credit Union of NY** Union Road · Cheektowaga · NY · 14225-5127 About 1.3 miles away](https://rateapi.dev/credit-unions/new-york/one-credit-union-of-ny) [**Empower** Cheektowaga · Cheektowaga · NY · 14225-4720 About 1.5 miles away](https://rateapi.dev/credit-unions/new-york/empower) [**Financial Trust** Harlem · Cheektowaga · NY · 14225 About 1.8 miles away](https://rateapi.dev/credit-unions/new-york/financial-trust) [**Town of Cheektowaga** TOWN OF CHEEKTOWAGA FCU · CHEEKTOWAGA · NY · 14227-1033 About 1.8 miles away](https://rateapi.dev/credit-unions/new-york/town-of-cheektowaga) [**Circuit** MAIN OFFICE · CHEEKTOWAGA · NY · 14227-1044 About 1.9 miles away](https://rateapi.dev/credit-unions/new-york/circuit) [**Crossroads Community** Main - 3031 William Street · Cheektowaga · NY · 14227 About 3.1 miles away](https://rateapi.dev/credit-unions/new-york/crossroads-community) 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 Afgm Enterprises Credit Union Membership eligibility from Afgm Enterprises Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership via employers (General Mills, Inc. +6 more) or the AFGM Grain Millers' Retirees Club - Employer General Mills, Inc., Archer Daniels Midland Co. (ADM), BCT Grain Millers Local 36G, AFGM Enterprises FCU, Shuman Plastics, Sellmore Industries, Santoro Sign Company - Association AFGM Grain Millers' Retirees Club Verified from [Afgm Enterprises Credit Union's membership page](https://www.afgmentfcu.com/about-us/) . Final membership determination is always made by the credit union. ## Membership rules for Afgm Enterprises Credit Union Employers 2 · Family 3 published paths to membership, last verified August 21, 2026, quoted from Afgm Enterprises Credit Union’s own published criteria. ### Employers 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of General Mills, Inc. “Includes all immediate family members of employees or retirees of: General Mills, Inc.” > [source ↗](https://www.afgmentfcu.com/about-us/) - Employee of General Mills, Inc. - Employee of Archer Daniels Midland Co. (ADM) “Includes all immediate family members of employees or retirees of: General Mills, Inc. Archer Daniels Midland Co. (ADM)” > [source ↗](https://www.afgmentfcu.com/about-us/) - Employee of Archer Daniels Midland Co. (ADM) ### 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 “Includes all immediate family members of employees or retirees of:” > [source ↗](https://www.afgmentfcu.com/about-us/) - Family member 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 Afgm Enterprises Credit Union? Yes No ## Work at Afgm Enterprises 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 Afgm Enterprises Credit Union ranks against New York peers. - See which AI assistants fetched Afgm Enterprises Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New York - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=afgm-enterprises&state=new-york&code=NY&name=Afgm%20Enterprises%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Afgm Enterprises Credit Union offer? Afgm Enterprises Credit Union currently offers mortgage, vehicle loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Afgm Enterprises Credit Union rates updated? RateAPI verifies Afgm Enterprises Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Afgm Enterprises Credit Union's rate data? Rate data is collected directly from Afgm Enterprises 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 Afgm Enterprises Credit Union's mortgage rate? As of November 12, 2026, Afgm Enterprises Credit Union offers a 30-year fixed mortgage at 7.281% APR. ### Who can join Afgm Enterprises Credit Union? Membership via employers (General Mills, Inc. +6 more) or the AFGM Grain Millers' Retirees Club RateAPI tracks 3 published membership paths covering 2 employers for Afgm Enterprises Credit Union, each quoted from Afgm Enterprises Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Afgm Enterprises Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [New York mortgage rate leaders](https://rateapi.dev/mortgage-rates/new-york) [New York auto loan rate leaders](https://rateapi.dev/auto-loan-rates/new-york) [New York personal loan leaders](https://rateapi.dev/personal-loan-rates/new-york) [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](http://www.afgmentfcu.com/) ### 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 Afgm Enterprises Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New York 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 Afgm Enterprises Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /afgm-enterprises " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Afgm Enterprises Credit Union locations Search, filter, and browse all 1 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/new-york/afgm-enterprises Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp