VPI (Variable Pricing Index) / VCDI (Variable Companion Direct Index)
We are your local lender working through your local farm supply retailer. The VPI and VCDI will allow us to meet the needs of our customers today, as we have in the past, and well into the future.
Our VPI and VCDI are based off of our cost of funds.
Current Rates:
VPI: 4.50%
VCDI: 6.00%
Effective Date: March 20, 2020
VPI and VCDI effective date typically start the first of each month.
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Historical Rates
| AQ VPI** | AQ VCDI*** | |
| March 9, 2020 to March 19, 2020 January 9, 2020 to March 9, 2020 December 4, 2019 to January 8, 2020 September 26, 2019 to December 3, 2019 August 1, 2019 to September 25, 2019 Jul 2019 to Aug 2019 Jan 2019 to Jul 2019 Dec 2018 to Jan 2019 Oct to Dec 2018 Sept 2018 to Oct 2018 Jun 2018 to Aug 2018 Mar 2018 to May 2018 Jan 2018 – Feb 2018 April 2017 – Dec 2017 |
5.49% 5.99% 6.00% 6.25% 6.75% 7.00% 7.05% 6.95% 6.80% 6.55% 6.55% 6.25% 5.75% 5.50% |
7.00% 7.50% 7.50% 7.50% 7.75% 8.00% 8.05% 7.95% 7.80% 7.55% 8.55% 8.25% 7.75% 7.50% |
| Jan 2017 – Mar 2017 | 5.25% | 7.25% |
| Jan 2016 – Dec 2016 | 5.00% | 7.00% |
| Aug 2013 – Dec 2015 | 4.75% | 6.75% |
| Aug 2012 – Jul 2013 | 4.75% | 7.25% |
| Feb 2012 – Jul 2012 | 5.00% | 7.50% |
| Mar 2010 – Jan 2012 | 5.50% | 7.50% |
| Sept 2009 – Feb 2010 | 5.50% | |
| Aug 2009 | 5.25% | |
| Apr 2009 – Jul 2009 | 5.00% | |
| Jan 2009 – Mar 2009 | 4.75% | |
| Dec 2008 | 5.25% | |
| Oct 2008 – Nov 2008 | 6.25% |
