Intermediate-Term Ag Loans

Financing for livestock, ag facilities, eligible farm equipment and vehicles, farm improvements and more.

Key Benefits of Financing with Us

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Competitive Rates

Fixed, interim-fixed or variable rates, including rate conversions.

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Flexible Payment Options

Choose monthly, quarterly, semiannual or annual payments to meet your cash flow needs.

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Quick Credit Decisions

Our agricultural expertise makes the process quick and easy.

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Cash-Back Dividends

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

Rates and Terms Built for Agriculture

Fixed Rates

Locks in interest expense for predictable payments and cash flow management.

Variable Rates

  • Usually a lower rate that follows market conditions.
  • Rate based on either market index or FCSAmerica-administered indexes.

Interim-Fixed Rates (IFR)

A variable-rate loan that is fixed for an agreed upon period. At the end of the period, the loan reverts 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 an Intermediate-Term Loan

Term loans are designed for significant expenditures or long-term investments in farming operations.

Term loans typically involve a lump sum disbursal at the beginning of the loan period and have a fixed repayment term. Term loans may be secured by collateral which in some cases can include the asset being financed or a personal guarantee.

Term loans can be used for:

  • Purchasing land
  • Buying machinery
  • Constructing facilities
  • Large capital outlays

We offer flexible financing for term loans with a variety of rate options and payment schedules that align with your cash flow. 

When applying for a term loan, be prepared to share some basic information about your operation, your financial background and what you plan to utilize the loan funds for. Your repayment capacity and credit history will be factored into the approval decision. 

Once approved, your local financial officer will work alongside you to choose the rates and terms that best fit your operation’s needs. If your financial needs change, you may be able to convert a variable-rate loan to fixed-rate loan or a fixed-rate loan to a variable-rate loan. 

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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.

Get Started

Contact us if you have questions or need more information.