Real Estate Loans
Our fixed and adjustable-rate mortgage loans are for the purchase, improvement, or refinancing of debt on farms, ranches, facilities, rural homes and rural real estate. Our loan terms can be tailored from 5 to 30 years, with a variety of payment options and interest rate plans. Many of our loan products have no prepayment penalty, and offer the benefit of our Installment Fund – allowing you to earn interest on your early payment! Our loans are eligible for rate conversions with a single conversion fee and no need for requalification. All of our standard mortgage loans are patronage dividend eligible.
Operating loans are for operating inputs and expenses such as feed, fertilizer, seed, labor, rent, taxes, insurance, and day-to-day living. Variable, prime-based and fixed rate loans are available at competitive prices to meet your specific needs. We offer Maximum Outstanding Balance (MOB) loans and Revolving lines of credit – and you only pay interest on the funds you use on both. Payment schedules can be tailored to match your cash flow, and loans can be repaid any time without penalty. Our operating lines also offer the benefit of our Trust Fund, where you can earn interest on your operating cash while still using it freely for operating expenses.
Rural Homes and Recreational Properties*
Whether you are looking to build your dream home in the country or in a small town, have your heart set on a hobby farm or just want a little elbow room - we can help make your dreams a reality with multiple mortgage options tailored to fit your needs. Our conventional and unique financial solutions cover conventional home mortgage products, remodeling loans, rural acreages, hobby farms, recreational properties, manufactured homes and unique homes. *Not eligible for Cash Patronage Dividend
Livestock loans are for the purchase of breeding or market livestock, and typically have terms of 1-5 years. Payments can be structured to coincide with the sale of livestock. Loans may be repaid at any time without penalty.
Equipment and Farm Vehicle Loans
Farm Vehicle and Equipment loans are for the purchase or refinancing of debt for tractors, combines, sprayers, trucks, farm implements, and any other farm-related equipment. Loan terms are typically 1-7 years and payments can be structured to meet your needs. Loans can be repaid at any time without penalty.
Buildings, Sprinklers and Grain Bins
We offer special rates and terms for financing of sprinklers and bins. Loan terms are typically 1-7 years and payments can be structured to meet your needs. Loans may be repaid at any time without penalty.
Agriculture depends on farm-related businesses, marketing facilities, processing facilities…we’re here to serve all facets of the industry.