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10-Year Line of Credit

Decade-long terms to support generations of growth.

Benefits of Our 10-year Line of Credit

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Grow Your Operation

Use your 10-Year Line of Credit to grow your operation without time-consuming annual renewals.

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Competitive Rates and Terms

Lower rates and better terms than a traditional Line of Credit allow you to put interest saved back into your operation.

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Expertise and Flexibility

Our local financing experts match recommendations with your cash flow and goals, to maximize your Line of Credit.

No Mandatory Pay-Downs

Get unlimited cash withdrawals with no prepayment penalties.

Why A 10-Year Line of Credit?

Our 10-Year Line of Credit lets you access your credit for a decade, so you can leverage your land’s equity to grow your business and preserve working capital for your operation without the time and stress of yearly renewal.

FCSAmerica believes access to your money matters – and so does your time. Get the assurance and flexibility of a 10-Year Line of Credit without having to start over when new needs and opportunities arise.

Additional Benefits

Mobile Deposit

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

Maximize Your Options

Use your Line of Credit for equipment or real estate purchases, and restructure to a longer-term loan in the future.

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Cash-Back Dividends

Eligible customer-owners can count on annual cash-back dividends equal to 1% of your total loan volume.

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Account Management

View balances and transaction histories, transfer funds, make payments and more through My Account.

10-Year Line of Credit 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.

Terms

Loans are subject to eligibility and credit approval. Minimum equity requirements and other restrictions may apply.

Available rates and terms, including the annual percentage rate (APR) are subject to change without notice.

The Board of Directors intends to pay a dividend that has historically approximated 1% of a customer's eligible average daily loan balance each year, barring any unforeseen events.

Options for financing

When to use it: Manage seasonal operating expenses such as inputs, labor, repairs, and livestock costs
Loan structure options: Revolving or non‑revolving line of credit; borrow, repay, and re‑borrow as needed
Typical term length: Flexible, multi‑year commitment options available
Interest rate options: Fixed or variable; based on market indexes
Payment flexibility: Flexible, multi-year options, including annual interest payments
Access to funds: Withdraw funds as needed; interest accrues only on the amount used
Collateral: Typically secured; based on credit and eligibility
Biggest advantage: Day-to-day flexibility for operational needs
Cash-back dividends*: Eligible customer-owners receive annual cash-back dividends

When to use it: Long‑term growth and access to capital without annual renewals
Loan structure options: Revolving or non‑revolving line of credit with up to a 10-year access
Typical term length: 5- to 10-year options with no annual renewal requirement
Interest rate options: More competitive long‑term pricing designed to reduce total borrowing costs
Payment flexibility: Interest‑only options with payments structured around cash flow
Access to funds: Unlimited withdrawals during the 10‑year term; no mandatory pay‑downs
Collateral: Secured by land equity to unlock long-term credit capacity
Biggest advantage: Puts equity to use with the longest LOC term offered; avoids yearly renewals and allows future restructuring into term loans
Cash-back dividends*: Eligible customer-owners receive annual cash-back dividends

When to use it: Finance a defined purchase with structured repayment
Loan structure options: One-time lump‑sum disbursement with a fixed repayment schedule
Typical term length: Varies by purpose; typically intermediate to long‑term
Interest rate options: Fixed, variable, or interim‑fixed (IFR) rates with conversion options
Payment flexibility: Monthly, quarterly, semiannual, or annual payments aligned with income
Access to funds: Full loan amount received upfront at origination
Collateral: Secured by the asset financed and/or other collateral
Biggest advantage: Best suited for defined purchases; predictable payments and amortization structure
Cash-back dividends*: Eligible customer-owners receive annual cash-back dividends

* Cash-back dividends are based on eligible loan volume and Association financial results. Prior distributions should not be interpreted as guarantees of future performance