• Our offices are closed Thursday, July 4 in observance of Independence Day. No electronic transactions are processed on the holiday.

Ag Facility Loans

Financing for cattle and hog barns, farm storage buildings, grain bins and more.

Key Benefits of Financing With Us

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Competitive Rates

Fixed, adjustable or variable rates, including rate conversions.

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Streamlined Process

Our agricultural expertise makes the process quick and easy.

Tailored to Your Operation

Facility loans can be structured to meet your specific financing needs.

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Cash-Back Dividends

We share our success with customer-owners, effectively reducing borrowing costs.

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Our Promise Pays.

Each year, since 2004, we have returned a portion of our net earnings to eligible customer-owners in the form of cash-back dividends. We share our success in a way that effectively reduces the cost of borrowing for farmers and ranchers.

Ag Facility Loan Rates and Terms

Fixed Rates

Locks in interest expense for predictable payments and cash flow management.


Variable Rates

  • Usually a lower rate that follows market conditions.
  • Rate based on either market index or FCSAmerica-administered indexes.

Interim-Fixed Rates (IFR)

A variable-rate loan that is fixed for an agreed upon period. At the end of the period, the loan reverts to a variable-rate loan.


Loans are subject to eligibility and credit approval. 

Available rates and terms, including the annual percentage rate (APR) are subject to change without notice.

Cash-back dividends are based on eligible loan volume and Association financial results. Prior distributions should not be interpreted as guarantees of future performance.

Additional Benefits

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Rate Conversions

If rates change and we can help you save money, we'll contact you. 

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Apply Online

Easily apply for a Farm Credit Services of America loan when it is convenient for you.

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Flexible Payment Schedules

Loans have the flexibility to mirror payments with income flow, ranging from monthly to annually.

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Account Access

View balances and transaction histories, transfer funds, make payments and more through AgriPoint®.

How to Apply for a Facility Loan

Facility loans are term loans that involve a lump sum disbursal at the beginning of the loan period and have a fixed repayment term. Term loans may be secured by collateral which in some cases can include the asset being financed or a personal guarantee.

Examples of facility loans include: 

  • Livestock barns and sheds
  • Farm storage buildings
  • Grain bins 

We offer flexible financing for facility loans, with a variety of rate options and payment schedules that align with your cash flow. 

When applying for a term loan, be prepared to share some basic information about your operation, your financial background and what you plan to utilize the loan funds for. Your repayment capacity and credit history will be factored into the approval decision. 

Once approved, your local financial officer will work alongside you to choose the rates and terms that best fit your operation’s needs. If your financial needs change, you may be able to convert a variable-rate loan to fixed-rate loan or a fixed-rate loan to a variable-rate loan. 

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Get Started

Contact us if you have questions or need more information.