Intermediate-Term Ag Loans

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

Key Benefits

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

A significant annual benefit, customer-owners have been paid more than $1.7 billion since 2004.

"They understand our financing needs are different for our livestock operation and work with us."

Nick & Katie

Grain & Turkey Producers, Iowa

Nick & Katie

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.

CONVENIENT FEATURES

Rate Conversions

If your financial needs change, you can convert your variable-rate loan to a fixed-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.

Payment Schedules

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

Financial Management

Online tools in AgriPoint help you analyze the financial health of your business. Create balance sheets and cash flows, calculate breakevens, automate recordkeeping and unlock profit insights.

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.