Operating Loans

Easy Access to Affordable Credit

Maintain liquidity to capitalize on opportunities at a moment’s notice with a Farm Credit Illinois operating loan designed to fit the way you produce and market. Borrow a lump sum or arrange a line of credit.


Write Checks without Checking In

  • Spend money anytime without contacting a loan officer for approval with an FCI operating line of credit. Use complimentary checks or the myFCI online banking portal or mobile app to access your credit when and how you need it.

Revolving Line of Credit

  • Establish a revolving line of credit for up to three years to manage your time and cash wisely. With a revolving line you can borrow and repay funds as often as needed, offering flexibility to adapt to changing market conditions.

Manage Your Funds

  • Put excess cash-on-hand into an interest-bearing account with immediate and restriction-free liquidity with Farm Cash Management (FCM). Thanks to Farm Credit Illinois’ unique funding model, your money is placed in investment bonds until you need it with superior returns when compared with traditional checking account investment options.

Contact a Farm Lender


Tools and Features Working For You


Competitive Rates & Flexible Terms

  • Fixed & Variable Rates

    Choose the interest rate risk your operation can tolerate.

  • Payment Schedules

    Select from annual, semi-annual, or monthly repayment options based on your seasonal cashflow.

  • 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.

View Job List