Western Kansas Products
Farm Operating Loans
Farm Credit makes loans for operating inputs and
expenses such as feed, fertilizer, seed, and labor as well as for such
expenditures as rent, taxes, insurance, and day-to-day living. A Farm Credit
operating loan can be designed to meet your specific financing needs. Your
choices and benefits include:
Commitment Line: Allows you to draw money as needed against a pre-determined
amount of credit for an operating cycle. You only pay interest on the funds you
Revolving Line: Just like a commitment line, but payments restore
credit to full use again.
Free drafts and computer images provided on
Immediate credit for repayments received by daily
cut-off time and loans may be repaid at any time without penalty.
Farm Credit makes loans for the purchase, care, and
feeding, or refinancing of debt on livestock. Whether you are feeding cattle or
have a cow herd, we can design a loan that fits the way you operate. With a
choice of variable, adjustable, or fixed rates and loan terms up to seven years,
we can design a livestock loan that is right for you.
Real Estate Loans
Farm Credit makes loans for the purchase,
improvement, or refinancing of debt on farms, ranches, facilities, and rural
Real estate loans can be designed to meet your specific financing needs. Loan
terms range from 5 to 30 years with no prepayment penalty. You have a choice of
either variable, adjustable or fixed interest rates. Your choices and benefits
with a Farm Credit real estate loan include:
Loan Term: 5 to 30 years.
Payment Plans: Monthly, quarterly,
semiannual, or annual payments.
Prepayment: Most loans may be repaid at
any time without penalty.
Conversion: Most loans may be converted to
another interest rate product for a single conversion fee without needing to
We can finance all types of agricultural facilities from
grain storage to processing plants. Loan terms and repayment schedules are
tailored to meet your individual credit needs.
Equipment Loans and Leases
Farm Credit offers diverse loan and leasing
options for virtually all equipment and machinery used in agriculture: tractors,
combines, farm implements, dairy equipment, grain bins, above ground irrigation
systems, trucks, processing and packaging equipment, and material handling
Whether your business is selling fertilizer or
custom feeding cattle, Farm Credit has the financial tools to help you succeed.
See our loan officers for details on how we can help with the business-end of
Young, Beginning, and Small Farmer Loans
We know that getting started
in agriculture can be tough. That is why we have special programs to help young,
beginning, and small farmers. Whether it means arranging a joint loan with the
Farm Service Agency or meeting with you around your off-farm work schedule, we a
here to help you make your farming dream a reality.
This special program allows you to take advantage of
fleet buying discounts to Farm Credit Leasing. We can lease a pick-up or sport
utility vehicle with payment plans from 2 to 5 years.
We offer crop insurance to protect your investment. Our
agents specialize in crop insurance to provide you with the best service in
the business. For more information, contact our agents Kelly Horinek or
Ashley Roehl at 1-800-657-6048 or by e-mail at
Term Life Insurance
Our credit life insurance goes beyond just insuring
your life, we can also provide you with disability coverage. Since we have
licensed agents on staff, we are also able to offer you with life insurance
products that go beyond traditional credit life. With Farm Credit, you are free
to choose the owner and beneficiary for your life insurance policies. Contact us
for more information and a full disclosure of the products offered. For
more information, contact our agent Kelly Horinek or Ashley Roehl at 1-800-657-6048 or by e-mail
For customers who need an independent appraisal of
real estate by State General Certified Appraisers. Our appraisers have many years of appraisal experience and hold certifications from the
American Society of Farm Managers and Rural Appraisers.
For more information, contact our agents Scott Brown or Jason Smith at
1-800-657-6048 or by e-mail at
Not sure which option is right for you?
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