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Farm Real Estate Loans

No other agricultural lender provides you with more rate and term options than Farm Credit Services – options designed to give you financing solutions customized for your unique requirements.

Terms

The majority of our farm real estate loans are fully amortized for 30 years, which means lower, more manageable payments. Shorter terms – as low as five years -- also are available. Choose from annual, semi-annual, or monthly payment schedules. Our standard loans have no balloon payments so you won’t be forced to renew or refinance at a later date when rates could be higher. And with no pre-payment penalty, you can pay ahead or pay off your loan at any time.

Rate Options

Select an interest rate option that best meets your needs.

Fixed Rates – provide maximum rate stability. You can lock in your rate for 10, 15, 20 even up to a full 30 years.
Adjustable Rates – allow you to lock in rates for one, two, three, five, seven, 10 or 15 years, providing you added flexibility to take advantage of changing market conditions.
Variable Rate – is the most market-sensitive rate because it can change monthly. Historically, our variable rate has provided the most interest savings over the life of a loan.
Multi-Rate – provides maximum interest rate protection by allowing you to place part of your loan on a longer-term fixed or adjustable rate and part on a shorter-term adjustable or variable rate, so whichever way interest rates move, you’re protected.
Pre-Payment Rates – can provide even lower rates if you choose not to pay ahead or pay off part or all of your loan for a pre-determined amount of time.

Rate Conversions

Conversion options, allowing you to change from one interest rate to another, also are available on most loans to provide you with even more flexibility to take advantage of market trends. Some conversion options are available during specific periods and may carry a fee but still are generally less costly than refinancing.

One-Time-Close Construction-to-End Loan

For building farm structures, you’ll want to check out our one-time-close construction-to-end loan. It can mean big savings because you pay closing costs once rather than twice. And you don’t have to worry about interest rates increasing during construction.

Funds Held

Maximize your return on cash by using your farm real estate loan’s unique Funds Held account feature. Advance payments on your farm real estate loan can be placed in your personal Funds Held account to earn a very competitive interest rate until they are automatically applied to your next loan payment. This can effectively reduce your cost of borrowing significantly.

Electronic Account Access and Transactions

With our online banking, you can check on balance, interest and other account information, as well as transfer funds to and from your FCS account, 24 hours a day, seven days a week. And do it all whenever and wherever it is most convenient for you in a secure, protected electronic environment - via the Internet or by phone.

Life & Disability Insurance Protection

	As an additional service to our clients, we can provide you with cost-effective group life and disability insurance coverage for your loan. Get the peace of mind that comes with knowing that if something happens to you, your family and farm operation are protected from a major expense and an uncertain future.