Farm Operating Loans: Ag Lines of Credit for Farmers & Ranchers

Benefits of Our Farm Operating Loan

Only Borrow What You Need

Our automated process saves you time and money.

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Multi-Year Commitment Options

Preserve working capital without the time and stress of yearly renewals.

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Cash-Back Dividends

Our annual cash-back dividend effectively reduces your cost of borrowing.

No-Limit Mobile Deposit

Scan and apply checks directly into your operating line of credit from anywhere at anytime, with no deposit limit.

Every Dollar - And Every Day - Counts.

With all the various management needs of your operation – input costs, equipment repairs, labor and livestock expenses – you need a line of credit that can keep up. An operating line of credit from Farm Credit Services of America has convenience, savings and flexibility built in, so you can meet each season’s needs without slowing down.

Watch the video to learn how it works.

Calculate Your Savings

Use the calculator below to see how much money you could save with our operating line of credit.

Let's do the math.

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

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

Savings Advantage
$2,750	(1.0% cash-back dividends paid in Jan 2026 x $275,000)
$676	(if 70 checks per year processed faster via Mobile Deposit x average interest savings of $9.65 per check)
$3,426	potential annual savings

The Board of Directors intends to pay a dividend on customer’s eligible average daily loan balance each year, barring any unforeseen events. Mobile 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.

Attractive Rates, Flexible Terms

Rate options built for agriculture.

Choice of revolving or non-revolving line of credit with a fixed rate or variable rate.
Rate based on either market index or FCSAmerica-administered indexes.
Reduce your payments with a rate buy-down option.

Flexible terms for your needs.

Flexible payment options available, such as annual interest payments on your chosen date.
If your financial needs change, you can convert your variable-rate loan to a fixed-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.

Additional Benefits

Payments Applied Directly

There is no need to transfer money from one account to another.

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Account Management

Access your account through our website or app. View balances and transaction histories, transfer funds, make payments and more.

Multiple Ways to Access Funds

Use funds available from your operating line of credit via check, credit card or ACH transfer.*

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Local Service

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

*Check or credit card are available through cash management service provider.

How to Apply for an Operating Line of credit

1

Our farm operating loans give producers the capital they need to pay for agricultural-related expenses, such as livestock, labor, cash rent, seed and inputs. 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.

2

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.

3

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

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