FARM IMPROVEMENT LOANS

Purchase a farm, expand an existing farm, construct new or improve farm buildings and more.

As the agricultural landscape changes, farmers face numerous challenges ranging from increasing production costs to adapting to changing market demands. Our farm improvement financing options provide the necessary funds to invest in various aspects of farm, land and property improvements, including infrastructure development, equipment upgrades, technological advancements, irrigation systems, fencing, land leveling, access road and reservoir construction.

We're committed to supporting farms of all sizes including large-scale agricultural operations, small-scale, first-time and family-owned farms. Doing business with us is quick and easy. Complete our online application and we will follow up within one business day.

KEY BENEFITS OF FINANCING FARM IMPROVEMENTS WITH US

Attractive Rates

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

Flexible Payment Options

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

Quick Credit Decisions and Appraisals

Our agricultural expertise makes the process quick and easy.

Cash-Back Dividends

We have paid more than $3.3 billion in cash-back dividends to eligible customer-owners since 2004.


In addition to customized loan packages, we offer lease options for ag buildings and barns.

"When we were getting our turkey buildings, they walked us through the whole process and stayed with us."

Nicole and Chris

Grain and Livestock Producers, Iowa

Nicole and Chris

FARM IMPROVEMENT LOAN RATES AND TERMS

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.

Rate Conversions

If your financial needs change, you can convert your variable-rate loan to a fixed-rate or adjustable-rate loan. Fees may apply.

Account Access

View balances and transaction histories, transfer funds within your accounts, make payments and more through AgriPoint® or FCSAmerica® Mobile.

Interest Rate "Buy-Down" Option

You can pay a fee at closing in exchange for an interest rate reduction to help reduce your payments.

Financial Management

Online tools in AgriPoint help you analyze the financial health of your business. Create balance sheets or cash flows, examine year-over-year trends, and run what-if scenarios to see the effects of potential purchases.

Payment Schedules

Select monthly, quarterly, semiannual or annual interest payment schedules; fully or partially amortized loans; and decreasing, even or accelerated payment schedules.

Apply Online

Easily apply for a FCSAmerica loan when it is convenient for you.

Ready to Talk?

Contact us if you have questions or need more information. Fill out the form, or connect with your local office using the Office Locator.

FCSAmerica serves farmers, ranchers, agribusinesses and rural residents in Iowa, Nebraska, South Dakota and Wyoming. For inquiries outside this geography, use the Farm Credit Association Locator  to contact your local office.