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

WorkSmart® Operating Line of Credit

Specifically built for agriculture, WorkSmart® has unique money-saving benefits and time-saving features. With our operating loans, all your money works for you.

Benefits of Our Farm Operating Loan

Draw Funds Directly

No transfers or added days of interest. Interest is charged only on the exact amount you use, when you use it.

Remote Deposit

Scan and apply checks, including third-party checks, as payments directly into your operating line of credit - without maximum limits.

Icon of a dollar sign within a circle growing as a plant
1% Cash-Back Rewards

AgriBuy® Rewards Mastercard® gives you easy access to your operating line of credit while giving you 1% cash back.  

Two palms of  hands with a circle and dollar sign in the middle icon
Cash-Back Dividends

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

Wherever you find WorkSmart, you’ll find producers saving money.

Along with interest-saving benefits, WorkSmart offers a variety of management tools, convenient payment options and cash-back dividends!

WorkSmart delivers more – and saves more – than any other line of credit for agriculture.

Calculate Your WorkSmart Savings

Use the calculator below to see how much money you could save with our WorkSmart Line of Credit.

Let's do the math.

WorkSmart includes money-saving benefits, unique features and management tools that make your money work smarter for you. The following example shows you how.

Operating line of credit: $375,000
Average outstanding balance: $275,000 

WorkSmart Advantage
$2,750 (1.0% cash-back dividends x $275,000)
$1,350 (1.0% AgriBuy Rewards cash back x $135,000 in estimated purchases)
$676 (if 70 checks per year processed faster via Remote Deposit x
average interest savings of $9.65 per check)
$4,776 potential annual savings

The Board of Directors intends to pay a dividend equal to at least 1.0% of a customer’s eligible average daily loan balance. Remote Deposit savings reflect average FCSAmerica customer savings. Cash-back dividends are based on eligible loan volume and Association financial results. Prior distributions should not be interpreted as guarantees of future performance.

AgriBuy® Rewards Mastercard®

The ultimate in flexibility and access to your operating line of credit, the AgriBuy® Rewards business card can help you capture additional savings on your line of credit.

  • Get 1% cash back on all purchases.
  • Money is drawn directly from your operating line of credit.
  • Provides convenient access for line of credit purchases.
AgriBuy Rewards Credit Card offered by Farm Credit Services of America
Farm Credit Services of America customer smiling

See How Our Line of Credit Saves You Money.

Look beyond just the interest rate to save more with a WorkSmart® Line of Credit. See for yourself with your own numbers.

Farm Operating Loan Rates and Terms

Fixed Rates

  • Choice of revolving or non-revolving line of credit.
  • Payment plans designed around your cash flow expectations.

Variable Rates

  • Choice of revolving or non-revolving line of credit.
  • Rate based on either market index or FCSAmerica-administered indexes.

Convenient Features

Flexible payment options to fit your cash flow needs. Interest-only loans with monthly statements and annual interest give you more marketing flexibility. Choose the date you want to pay your annual interest based on your needs.


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.

The AgriBuy® Rewards business card is offered through AgriBank and can only be used for purchases at U.S. and Canada retailers. Other restrictions may apply.

Mastercard® is a registered trademark of Mastercard International Incorporated.

Additional Benefits

Icon of a check book with a pen
Payments Apply Directly

Payments and third-party checks apply directly to your line of credit, saving added days of interest. Remote deposit makes payments even faster.

Green building icon in the middle of a laptop icon
Account Access

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

Clipboard with checkmarks and pen icon
Save Money

WorkSmart ends many of the added charges common with other farm operating loans and keeps your money working for you.

Icon of a shield with three people within it
Local Service

Receive local loan service and expertise from a team dedicated to your financial success.

How to Apply for an Operating Line of credit

Our farm operating loans give producers the capital they need to pay for agricultural-related expenses, such as livestock, fertilizer, and seed. To accommodate farming's seasonal cash flow, funds are available as producers need capital and can be paid down to restore funds for future draws. By deciding when and for how long they borrow from their line of credit, producers also limit the amount of interest they pay.

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 operating lines of credit.

To expedite the application process, please gather this information:

  • How you plan to secure your loan
  • Description of your operation and what you plan to use the loan funds for

Get Started

Contact us if you have questions or need more information.