Our Holiday Hours: Closing at Noon on December 24th & CLOSED on December 25th for Christmas • Closing at 4:00pm (Kanawha closing at 3:00pm) on December 31st & CLOSED on January 1, 2025 for the new year. Happy Holidays! View all bank holidays
Lending Options for Agriculture
We are proud to offer competitive rates on a variety of agricultural loans to fit your unique needs. Our lenders are farmers just like you, even our support staff has agricultural experience, providing us with a true understanding of your unique operation. This background, paired with our financial expertise, offers you the best possible partner for success.
Unlike many big banks, we don’t use outside firms. All of our credit decisions are made within our organization, allowing us to have the lending capacity to finance most farm operations and keep many larger loans in-house.
Let's Get Started!
Want to get started with a loan, discuss options, or learn more about what we have to offer, but not sure who to contact? Fill out a contact form.
What documents do you need for a loan appointment?
- Three years of financial statements
- Three years of tax returns
Ag Loan Options
We are a FSA Preferred Lender! What does that mean?
We have the highest status that a lender can hold in the FSA Guaranteed Farm Loan Program. We are recognized as experienced lenders that have demonstrated significant expertise and understanding of agricultural lending and the FSA Guaranteed Farm Loan Program.
Line of Credit
A line of credit is a flexible loan for businesses that works like a credit card. Companies draw money from their credit lines as needed, only paying interest on the portion of money borrowed. As they repay the amount borrowed, they replenish the funds available.
Letter of Credit
A letter of credit is a document from a bank or other financial institution guaranteeing that a specific payment will be made in a business transaction.
Machinery & Equipment Loans
These loans are used for the purchase of machinery and equipment essential to running your business. You can use an equipment loan to purchase anything from combines and tractors to cattle chutes and weigh scales.
*PREFERRED LENDER*
Farm Service Agency (FSA) Guaranteed Loans
FSA’s Guaranteed Farm Loan Programs help family farmers and ranchers to obtain loans from FSA-approved lenders at reasonable terms to buy farmland or finance agricultural production.
Beginning Farmer Loans
America's next generation of farmers and ranchers are supported through FSA's "Beginning Farmer" direct and guaranteed loan programs.
Iowa Ag Development Division (IADD) Loans
Beginning Farmer Tax Credit Program
The Beginning Farmer Tax Credit Program provides an Iowa tax credit for agricultural asset owners to lease their land, equipment and/or buildings to beginning farmers.
Beginning Farmer Tax Credit Program, that beginning farmers are eligible to get tax-free interest rates through the IADD.
Minnesota Department of Ag Rural Finance Authority (RFA) Loans
The Rural Finance Authority (RFA) offers low-interest loan programs to farmers for a wide variety of activities.
Farm Real Estate Loans
A farm real estate loan helps to purchase land or ag buildings to grow your agribusiness.
Farmer Mac Ag Real Estate Loans
Created in 1988, the Federal Agricultural Mortgage Corporation, or Farmer Mac, provides a secondary market for agricultural real estate mortgage loans, rural housing loans, and rural cooperative loans.
Contact an Ag Lender
We are full-service and all operations stay within our bank, providing you with a personalized financial experience.
Getting Started with Farming?
Farm Service Agency (FSA) offers "Beginning Farmer" direct and guaranteed loan programs. The Iowa Agriculture Development Division offers programs for beginning farmers through Iowa Finance Authority (IFA).
BEGINNING FARMER LOANS (FSA) BEGINNING FARMER TAX CREDIT PROGRAM (IFA)
Ag Resources
Iowa Finance Authority
Iowa State Ag Decision Maker
Iowa Ag Development Division
AgWeb | Farm Journal
Chicago Board of Trade
Our Internship Program
Information and Eligibility:
- College Students
- Summer Internship Program
- Offered within departments including Retail, Lending, Wealth Management, IT, and Marketing
