Operating Loans

Farm operating loans are not a "one-size-fits-all"  That's why Farm Credit gives you operating loan programs designed to fit the way you produce and market. We can help you borrow a lump sum or enjoy a line of credit for greater freedom in adapting to changing conditions.

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 program, you can actually 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. 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.

  • Other Information

    Electronic Access & Transactions

    With our myFCI- online banking, you can check on balances, interest and other account information, as well as transfer funds to and from your FCI 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.

Get ahead and kickstart your career at FCI.

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