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Argent Credit Union has eight branches and free ATMs
conveniently located throughout the Richmond-metro area. Our branches are fully accessible so everyone in our community can take advantage of Argent products and services.
*3.49% fixed Annual Percentage Rate (APR) for the first twelve months. Thereafter, variable APR adjusted quarterly based on Wall Street Journal Prime Rate (index) +/- 0.25 a margin for the life of the loan. The current APR as of February 1, 2026, is 6.50% APR, which includes a -0.25 margin and loan to value <=80%. The maximum rate of 18% APR. Rates and terms will vary depending upon loan-to-value and credit qualifications. An introductory offer is not available for refinances of existing Argent home equity loan/line of credit. Not available for a home purchase or investment properties. No closing costs. If you close your line of credit within thirty-six (36) months, you will be required to reimburse the Credit Union for closing costs paid on your behalf. These fees generally total between $400 and $1,000. If you ask, we will provide an itemization. Limited time offer. Member eligibility required.
APR = Annual Percentage Rate. Payment example Car/Truck/SUV/Motorcycle based on a $20,000.00 loan: $453.73 at 4.24% APR with a 48 month term; $342.55 at 4.49% APR with a 66 month term; $319.69 at 4.74% APR with a 72 month term; $303.11 at 5.24% APR with a 78 month term; and $287.31 at 5.49% APR with an 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.
APY = Annual Percentage Yield. APY is subject to change after account is opened. Fees may reduce earnings on your account. Rate current as of 8/4/2025.