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Every farming
situation is unique

  • Flexible down payment options
  • Flexible payment plans tied to your cash flow
  • Serving farms of all sizes
  • Service how you need it, from online to on-farm

Farmland and ag real estate loans

Financing for

  • Buying a farm or investment property
  • Refinancing a current mortgage
  • Expanding or making long-term improvements to your operation

Flexible loan options

  • 5- to 30-year fixed rates
  • 1- to 15-year adjustable rates
  • Monthly, quarterly, semi-annual and annual payment terms available
  • Funds Held Program
  • In-house loan servicing

Funds Held Program allows customers to save for future installments and earn a competitive interest rate on their money.

Operating loans

Designed to fit the way you produce and market

  • Short-term loans to finance daily business operations
  • Variable, fixed and adjustable interest rates
  • Withdraw funds 24/7 online, by phone or by visiting one of our offices

Revolving line of credit

  • Borrow and repay as often as necessary as long as outstanding balance doesn’t exceed credit limit
  • Simple interest accrues only on outstanding balance
  • Loans can be written with a maturity date and automatic renewal to limit paperwork and save time, subject to credit approval

Farm Cash Management links your FCS Financial line of credit with an AgriBank Money Market Investment account. Farm Cash Management will automatically manage your funds to minimize your cost of credit when you have a loan balance — or, if you’ve put more funds into your account than are needed for your loan, it will automatically invest the excess funds so you can earn a competitive interest rate.

Equipment and livestock loans

Competitive rates that add up to savings on new and used purchases

Financing for

  • Farm machinery
  • Livestock
  • Machine sheds
  • Grain bins
  • Irrigation equipment
  • Trucks
  • Other major items

Features including

  • Maturities from 2 to 10 years give you flexible repayment plans
  • No prepayment penalties available
  • Rate conversions that can control your interest rate cost and risk

Equipment and facility leases

Financing for new and used

  • Farm vehicles
  • Equipment
  • Machinery
  • Facilities

Flexible leasing options

  • Broad range of flexible, easy-to-use leasing solutions
  • Flexible terms, usually 36 to 60 months
  • Four types of leases to best serve your financial and accounting needs: capital leases, operating leases and true leases
  • Lease structures may include terms with a floating interest rate, indexed to the 30-day LIBOR rate, to take advantage of changing market conditions
  • End-of-lease options may be available for you to select upon the termination of your lease

Supporting the future of farming

Over $1.5 million given to local 4-H and FFA organizations

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Equal Housing Lender