10-Year Line of Credit

Decade-long terms to support generations of growth.

Benefits of Our 10-year Line of Credit

Icon of a hand holding a plant with two green leaves
Grow Your Operation

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

Icon of a light bulb and circle with a dollar sign and arrows pointing in a circle
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.

Icon of a circle with a dollar sign in the middle above a graph
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.

Request Follow Up

Complete this form to request a follow-up or reach out to your Financial Officer for more information.

Farm Credit Services of America customers Krystl and Cody

Your Success Matters

You need a lender who understands agriculture and your unique needs. We have entire teams dedicated to your success, from local advisors to economists to commodity specialists and more. Every day, we work to be your most valued financial partner.

Additional Benefits

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 in a circle with arrows going around it
Maximize Your Options

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

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

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

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®.

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.


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.

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.

Get Started

Contact us if you have questions or need more information.