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

Land Loans

Agricultural ground is one of the most important investments you will make. The right land loan will ensure it also is your best investment. 

Key Benefits of Financing Land with Us

Ag-friendly Financing

Loans tailored to your needs, with competitive rates and flexible payment options.

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Streamlined Process

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

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Local Service

Our knowledgeable local financial team serves you for the life of your loan.

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Cash-Back Dividends

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

Loan Payment Calculator

This is an estimate of payments for various loan types including farm loans, land loans, ranch loans, livestock loans and ag loans. 

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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.

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.


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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Competitive Fees

Competitive fees on our land loans with no application fee. *Does not apply to construction loans.

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In-House Appraisals

Fast appraisals provided by our in-house, certified appraisal team. Customized appraisals and valuation services are available to current customers.

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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 Land Loan

We offer long-term loans used to finance or refinance farmland, pastureland and other ground used for agricultural purposes.

Real estate loans also can be used for land improvements, such as fencing, grain bins and facilities. We have several options for financing land improvements. Your financial officer will help you determine which loan best meets your needs and goals.

Recreational land for such uses as fishing and hunting, as well as rural homes, are financed through Rural 1st®.

Primarily, financing may be provided for the following eligible borrower categories:

  • Full-time Farmer or Rancher – Actively engaged in the management of ag land or ag production and their net farm income is greater than their net non-farm income.
  • Part-time Farmer or Rancher – Materially participates in the management of ag land or ag production, but has a gross farm income less than their net non-farm income.

You can apply online or in-person. We offer a streamlined process that is quick and easy, and you'll be connected with a financial officer who has a deep understanding of real estate loans.

To expedite the application process, please gather this information:  

  • Property details, including location, legal description and number of tillable/pasture acres.
  • Cash flow intent for property
  • Means for down payment (cash, equity, etc.)

Your financial officer also will request the following in order to help you complete the application:

  • Driver’s license
  • Three years of federal tax returns (1040 and associated schedules, personal and business if applicable)
  • Financial statement/balance sheet (personal and business if applicable)
  • Signed authorization for release
  • Entity or trust documents and Taxpayer Identification Number (TIN) if purchase involves an entity or trust.

Land Loans Frequently Asked Questions

On new purchases, down payments of 35% are typical on many land loans. The amount of the down payment is impacted by many factors and is specific to each credit request.

Deposits or earnest money can vary based on seller requirements. In some instances, all or a portion of the down money may be non-refundable. Contact the seller, auctioneer or real estate agent for details.

We have competitive loan fees, including no application fee.* We also offer loans without prepayment penalties after the first year.

Fees associated with real estate often include title work, appraisal, abstracts, filing/recording, flood determination and others. Fees are the responsibility of the buyer unless otherwise outlined or negotiated.

*Does not apply to farm construction loans or Rural 1st® loans.

If any of the specifics of your credit application changes, we'll need to re-evaluate the approval to reflect those new details.

Get Started

Contact us if you have questions or need more information.