Choose Your Loan Options

Match the rate, term, and payment schedule to your needs with a tailored Farm Credit Illinois real estate loan.


Working For You After Closing

  • No pre-payment penalties means you can pay off your loan at any time
  • FCI proactively reprices loans when the market provides opportunities, for free
  • Annual cash patronage retroactively reduces your interest rates 
  • Align your payment schedule with your seasonal cash flow, selecting from annual, semi-annual, or monthly options

Contact your local FCI office


Competitive Rates & Flexible Terms

  • Fixed

    Lock in your rate for 10, 15, or 20 years and know your interest cost over the life of the loan.

  • Adjustable

    Start with a locked in rate for 1, 2, 3, 5, 7, 10, or 15 years, then be subject to changing market conditions for the remaining loan term.

  • Variable

    Select a market-sensitive rate that can change monthly and has historically provided the most interest rate savings over the life of the loan.

  • Multi-rate

    Place part of your loan on a longer-term fixed or adjustable rate and part on a shorter-term adjustable or variable rate to protect your bottom line.

  • Other Information

    Rate Conversions

    • Conversion options allow you to change from one interest rate to another
    • Available on most loans
    • Provides you 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.

    Funds Held Account

    • 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 interest until they are automatically applied to your next loan payment.
    • This can effectively reduce your cost of borrowing

    Electronic Account Access & Transactions

    • With myFCI - online banking, you can check on balances, interest and other account information
    • Transfer funds to and from your FCI account, 24 hours a day, seven days a week
    • Access your account whenever and wherever it is most convenient for you in a secure, protected electronic environment

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