WORKSMART® OPERATING
LINE OF CREDIT

Easily, the smartest line of credit
for the business of agriculture.

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ALL YOUR MONEY WORKS FOR YOU.

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 $2.6 billion in cash-back dividends since 2004.

"We saved ourselves $2,000 in interest charges the first year by using Remote Deposit."

Eric & Kelli

Grain & Beef Producers, Iowa

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Eric & Kelli

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.
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LET'S DO THE MATH.

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

DIGITAL TOOLS THAT WORK FOR YOU.

AgriPoint®

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.

FARM OPERATING LOAN RATES AND TERMS

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.

See terms that apply.

Related Operating Loan Content

Farm Loans: How They Work
Learn how Farm Credit loans work including down payments, interest rates, how to qualify and more.
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.
Calculating Your Cost of Production Takes the Uncertainty Out of Your Decisions
E-learning program focuses on the "why" behind using cost of production numbers and the application to different business decisions.

EXPLORE MORE CONTENT

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.