Operating Loans

Farm Credit Illinois offers operating loan programs designed to fit the way you produce and market. Borrow a lump sum or arrange a line of credit for the added flexibility to adapt to changing conditions.

Revolving Line Of Credit

  • Borrow and repay funds as often as you like for up to three years
  • Manage your cash needs and minimize interest costs
  • Save time by not having to renew your operating loan each year
  • Couple your revolving line of credit loan with our Farm Cash Management program and get an operating loan that pays you interest

Terms & Rate Options

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

  • Fixed Rate

    • Provides maximum rate stability

    • Lock in your rate for a full year
  • Variable Rate

    • The most market-sensitive rate because it can change monthly
    • Variable rates historically provide the most interest savings over the life of a loan
  • Electronic Access & Transactions

    • Enroll or Log In to myFCI online banking
    • Check on balances, interest and other account information
    • Transfer funds to and from your FCI account, 24 hours a day, seven days a week
    • Enjoy the convenience of online banking in a secure, protected electronic environment

Get ahead and kickstart your career at FCI.

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