Farm and Ranch Operating Loans

Farm and Ranch Operating Loans

As a producer, you need a financial partner that understands agriculture and your operation. Premier Farm Credit understands this and offers ag operating loans tailored to each situation at competitive rates. Our operating loans are used for operating inputs and expenses such as feed, fertilizer, seed, labor, rent, taxes, insurance, and day-to-day living.

Our Operating Loans Feature:

  • Variable, prime-based and fixed rate options
  • Revolving lines of credit and Maximum Outstanding Balance (MOB) loans
  • Only pay interest on the funds you use
  • Payment schedules tailored to match your cash flow
  • Repay loans anytime without penalty
  • Accessible anytime by online transactions, drafts, phone or in-person
  • Remote deposit with our Online Banking
  • Cash Patronage Dividend eligible
  • Interest-earning Trust Fund feature

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Interest-Bearing Trust Fund

Our operating loans give producers access to the Trust Fund, where you can earn interest on your operating cash while still using it freely for operating expenses.


The Cash Patronage Dividend program returns a portion of our annual earnings to our member-owners.

Jason and Tycie Lichty

Jason and Tycie Lichty run a diversified farm and cow/calf operation near Joes, Colorado with the help of their sons Tyson and Jaret. Premier Farm Credit is thrilled to help them build their legacy.