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Operating Loans

Borrow a lump sum or enjoy a line of credit that gives you the freedom to respond to changing conditions. With our Credit Line operating loan you get cash whenever you need it.

Credit Line

With Credit Line, you can access your funds 24 hours a day, seven days a week, simply by writing a draft. There’s no need to call or stop by the office to obtain money, so you get maximum convenience. And you save because interest accrues only as funds are used. You control the use of your loan funds. A monthly statement helps you keep track of when your funds were used, as well as the amount of your credit line still available.

Revolving Line of Credit

Our revolving line of credit provides you with optimal cash management. You may borrow and repay funds as often as you like for up to three years, enabling you to manage your cash needs and minimize interest costs. And you save time by not having to renew your operating loan each year. By coupling your revolving line of credit loan with our special Farm Cash Management^SM program, you can actually get an operating loan that pays you interest.

Illinois Linked Deposit Loans

If you are an Illinois producer, your operating loan may be eligible for a special state-funded Illinois Linked Deposit interest rate.

Terms

Choose from annual, semi-annual, or monthly payment schedules.

Rate Options

Select an interest rate option that best meets your needs.

Fixed Rate – provides maximum rate stability. You can lock in your rate for a full year.
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.

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.