The smartest line of credit for the business of agriculture.

Benefits of our Farm Operating Loan

Draw funds directly without transfers or added days of interest.

Interest is charged only on the exact amount you use, when you use it.

Payments and third-party checks apply directly to your operating line of credit,

saving added days of interest. Remote Deposit makes payments even faster.

Earn 1% cash back on AgriBuy® Rewards Mastercard® purchases.

Purchases are drawn from your operating line of credit at your line of credit interest rate.

Cash-back dividends offer a significant annual benefit.

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

Wherever you find WorkSmart®, you’ll find producers saving money.

Along with interest-saving benefits, WorkSmart offers a variety of management tools, convenient payment options and cash-back dividends!

WorkSmart® delivers more – and saves more – than any other line of credit for agriculture.

Your New Line of Credit Starts Here.

Complete an application and apply for financing. A member of our team will contact you within one business day.


“Savings from our WorkSmart Line of Credit are crucial for our success.”

Krystal and Cody

Grain and Livestock Producers, Nebraska

Krystal and Cody

AgriBuy® Rewards Mastercard®

The ultimate in flexibility and access to your operating line of credit, the AgriBuy Rewards business card can help you capture additional savings on your line of credit.

  • Get 1% cash back on all purchases.
  • Money is drawn directly from your operating line of credit.
  • Provides convenient access for line of credit purchases.


WorkSmart® includes money-saving benefits, unique features and management tools that make your money work smarter for you. The following example shows you how.

Potential Annual Savings
Cash-back dividends: $1,813.00
AgriBuy Rewards: $1,250.00
Remote Deposit savings: $700.00
Total: $3,763.00



View balances and transaction history, transfer funds, make payments and more.

Remote Deposit

Scan and apply checks, including third-party checks, as payments directly into your WorkSmart operating line of credit — without maximum limits.

FCSAmerica® Mobile

Access your operating line of credit anywhere from your mobile device. Use the Remote Deposit feature in our app to save time and money depositing checks.


Fixed Rates

  • Choice of revolving or non-revolving line of credit.
  • Payment plans designed around your cash flow expectations.

Variable Rates

  • Choice of revolving or non-revolving line of credit.
  • Rate based on either market index or FCSAmerica-administered indexes.

Convenient Features

  • Conversion feature offers flexibility. If your financial needs change, you can convert your variable-rate loan to a fixed-rate loan.
  • Interest rate "buy-down" option can reduce your payments. Pay a fee at closing in exchange for an interest rate reduction.
  • Flexible payment options to fit your cash flow needs. Interest-only loans with monthly statements and annual interest give you more marketing flexibility. Choose the date you want to pay your annual interest based on your needs.

Related Operating Loan Content

The Business of Agriculture

Farm Loans: How They Work

Learn how Farm Credit agricultural loans and leases work including down payments, interest rates, how to qualify and more.

The Business of Agriculture

How Managerial Accounting Can Help You Manage Your Farm or Ranch

Accrual-based managerial accounting offers a solution for those who want a deeper understanding of their operation and the financial insights.

The Business of Agriculture

Farm Loan Affordability: It’s Not Just the Interest Rate

Learn about the calculator and educational programs we offer to help you manage your farm loans and cash flow.

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.