Farm Improvement Loans

Purchase a farm, expand an existing farm, construct new or improve farm buildings and more.

Why Finance Farm Improvements with Us

Competitive Rates

Fixed, interim-fixed or variable rates, including rate conversions.

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Streamlined Process

Fast approvals and in-house appraisals help you close your loan quickly.

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Flexible Payment Options

Choose monthly, quarterly, semiannual or annual payments to meet your cash flow needs.

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Cash-Back Dividends

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

In addition to customized loan packages, we offer lease options for ag buildings and barns.

Farm Improvement Financing

As the agricultural landscape changes, farmers face numerous challenges ranging from increasing production costs to adapting to changing market demands.

Our farm improvement financing options provide the necessary funds to invest in various aspects of farm, land and property improvements, including:

  • Infrastructure development
  • Equipment upgrades
  • Technological advancements
  • Irrigation systems
  • Fencing
  • Land leveling
  • Access road construction
  • Reservoir construction
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Farm Improvement Loan Rates and Terms

Fixed Rates

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

Interim-Fixed Rates

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.

Variable Rates

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


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 FCSAmerica loan when it is convenient for you.

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Account Access

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

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Financial Management

Online tools in AgriPoint help you analyze the financial health of your business. Create balance sheets or cash flows, examine year-over-year trends, and run what-if scenarios to see the effects of potential purchases.

Farm Credit Services of America customers Krystl and Cody

Our Line of Credit Can Help You Save Money

Along with competitive interest rates and highly flexible terms, you can save interest. Plus, get cash-back dividends and cash-back rewards, too.

Get Started

Contact us if you have questions or need more information.