Thank You!

Your contact information has been successfully submitted. Thank you for your inquiry. We will contact you shortly.

Please let us know how you heard about us:


Thank You!

Thank you for your inquiry! Your email has successfully been sent. Using the information you provided, the appropriate agent for your needs will contact you with the quote. Please allow a few days for processing.

Please let us know how you heard about us:


Thank You!

Thank you for signing up! Your email has been added to our database and you will now receive our quarterly newsletter. Please check your email and confirm.

Please let us know how you heard about us:

Online Banking


funds held accounts

Account Information

Funds Held accounts are interest-bearing deposit accounts used to hold member funds until needed for application to an Association loan or other agricultural purpose.

Opening a Funds Held Account

A Funds Held Account can be opened when you borrow from the Association. With one check, you can make a loan payment and add money to your Funds Held Account. Funds held levels are limited to the amount of attribution.


Funds in the Funds Held Account accrue interest that is compounded monthly. The interest rate (Funds Held Rate) is variable and may change monthly. Interest earned on your Funds Held Account is reported periodically to you and annually on Form 1099-I to the IRS.


Only Association borrowers are eligible to place funds in a Funds Held Account.

Withdrawal and Application Loans

Funds in the Funds Held Account are available for application to Farm Credit loans or for other agricultural purposes. You can withdraw the funds at any time by making the request to your loan officer. Withdrawals for non-agricultural purposes are permitted under extenuating circumstances subject to approval by the Association. Such circumstances include, but are not limited to, medical emergencies, disaster losses and dissolution of the borrowing entity.

If an installment or other loan obligation is not paid when due, the Association reserves the right to apply funds from the Funds Held Account to pay the installment or loan obligation. For this purpose the borrower grants the Association a security interest in all Funds Held Accounts of the borrower. The funds so applied will not be available for withdrawal.


Funds Held Accounts are at risk and not insured. The borrowers is dependent solely on the commitment and financial condition of the Association with respect to honoring the terms of this program, including the repayment of all funds in the account and the payment of any interest on those funds. The full terms and conditions of the Funds Held Accounts will be provided in a Funds Held Agreement. These terms and conditions may be amended from time to time. You will receive notice of any changes. The Association reserves the right to limit the number of Funds Held Accounts or restrict the maximum dollar amount in the Funds Held Account. Disbursement requests can be initiated by a loan officer at loan closing/funding, or by the borrower wishing to draw on his line of credit. Disbursements may be made via check, ACH transaction, or wire transfer.

Contact us today!

  • 800-800-4865 - Pacific Time
  • 800-799-6545 - Mountain Time
  • 800-466-1146 - Central Time
  • or visit