• Our offices are closed Wednesday, June 19 in observance of Juneteenth Independence Day. No electronic transactions are processed on the holiday.

IT PAYS TO FINANCE FARMLAND WITH A FARM LENDER

Get the rates, terms and flexibility you need to finance the land you want.

Key Benefits of Financing Land with Us

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Competitive Rates

We offer a variety of rate options, competitive loan fees, no application fee and loans with no prepayment penalties after the first year.

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Flexible Terms

Payments are structured to mirror your income flow and we offer flexible terms - including long-term options up to 30 years.

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Streamlined Process

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

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Cash-Back Dividends

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

Download Our Buyer’s Guide to Financing Ag Real Estate

Buying ag real estate is an exciting venture, but securing the right financing can often leave buyers with more questions than answers.

Download our guide to learn:

  • How land loans work.
  • The types of property that qualify for for a land loan.
  • How to compare loan options to ensure you’re getting the best financing.
  • The steps involved in the application process.
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Buyer’s Guide to Financing Ag Real Estate

Complete the form to receive your free digital download.

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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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Local Expertise

Our local land financing experts analyze the value of land we have financed as well as local comparable sales of similar properties to determine the current value of ag real estate.

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Extensive Land Data

As the region’s largest ag lender, we maintain the most extensive database of land sales activity in the states we serve. Twice a year, we also appraise benchmark farms spread across our territory to publish the longest running and most comprehensive land values report in the region..

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Deep Agricultural Roots

We are a mission-driven, customer-owned financial cooperative that has been serving agriculture for more than 100 years. We're the leading provider of credit and insurance services to farmers, ranchers, agribusiness and rural residents in Iowa, Nebraska, South Dakota and Wyoming.

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Customized Land Value Reports

To help buyers make informed decisions, we can provide customized local land value reports as well as information on upcoming sales and estimated rates of return on different transactions.

Rates and Terms Built for Agriculture

Fixed Rates

  • Stable, predictable payment schedule.
  • Long-term fixed rates up to 30 years.
  • Delayed disbursement, a fee-based service, lets you access your funds when you need them.

Variable Rates

Adjust as market conditions change throughout the life of your loan.

Adjustable-Rate Mortgages (ARM)

  • Fixed introductory rate for one, three or five years.
  • Loan renews at new fixed rate for same fixed period.
  • Rate cap applies to protect against excessive increases in rates and volatile markets.

Interim-Fixed Rates (IFR)

Fixed rate for an agreed-upon period, after which loan adjusts to a variable-rate loan.


Terms

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.

Get Started

Contact us if you have questions or need more information.