Farm Real Estate Loans

Flexible financing for farmland, ranchland, pastures and acreages.

Key Benefits

Attractive Rates

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

Ag-Friendly Terms

We offer unusually flexible terms, including long-term options on our land loans.

Flexible Payment Options

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

Cash-Back Dividends

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

"They really watch out for us. They've come to me and suggested we roll a land loan into a new loan at a cheaper rate."

John & Douglas

Grain & Livestock Producers, Iowa

John & Douglas

LOAN PAYMENT CALCULATOR


This is an estimate of loan payments. The actual payment amounts may vary depending on the interest rate, closing date and other factors.

Choose from even or decreasing payments

$1,717.77

EACH PAYMENT

$318,398

TOTAL INTEREST

$618,398

TOTAL PAYMENT

Rates and Terms

Fixed Rates

  • Stable, predictable payment schedule.
  • Delayed disbursement, a fee-based service, lets you access your funds when you need them.

Variable Rates

  • Usually a lower rate that follows market conditions.

Adjustable-Rate Mortgages (ARM)

  • Allows you to have the security of an introductory fixed rate for a specified period of time. At the end of the initial fixed-rate period, the loan renews for the same fixed period at a new fixed rate.
  • Fixed for a period of one, three or five years.
  • Rate “caps” protect you from excessive rate increases and volatile markets.

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.