Grain Bin Loans

Financing for purchasing, constructing, or upgrading grain storage facilities and more.

Key Benefits of Financing Grain Bins 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.

Leasing is available as an alternative financing option for ag buildings and barns.

Grain Bin Financing

Investing in quality grain storage can be essential for operating a successful ag business, but owning or leasing grain bins can be a significant financial investment, particularly for those starting or expanding their farm operation. 

We're committed to supporting farms of all sizes including large-scale agricultural operations, small-scale, first-time and family-owned farms. Our grain bin loans help producers with options to purchase, build or upgrade grain storage facilities.

With our loan financing solutions, producers can get access to the necessary capital and invest in modern and efficient grain storage facilities for storing crops on-site, reducing transportation costs and ensuring that harvest is protected from spoilage, pests, or weather-related damage while maximizing favorable market conditions.

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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.

Grain Bin 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.

Get Started

Contact us if you have questions or need more information.