Whether you’re buying land for production or construction, installing irrigation systems or need to cover your accounts receivable, we have a program designed to help your business grow.


Our fixed and variable rate mortgage loans have options tailored to your specific needs and payment schedules that can be adjusted to match your operating cash flow. Use a long-term loan for:

  • Vineyard and Orchard development
  • Real estate purchase and improvement
  • Packing and storage facilities
  • Water development and irrigation projects
  • Debt refinancing


You can free up your capital with intermediate-term loans with maturities of up to 10 years. These loans can be used for:

  • Production and processing equipment purchases
  • Building repairs or improvements
  • Construction development
  • Development of permanent plantings
  • Debt refinancing
  • Timber/Land purchase


For your day-to-day operating needs, short-term financing can be just the solution, and is available as a budgeted loan or revolving line of credit with maturities of one to four years. Use these loans for:

  • Building repairs or improvements
  • Construction development
  • Other


Improve your cash flow and possibly obtain tax advantages by leasing instead of buying your equipment. We offer a full range of lease options, including very attractive vehicle leases, tailored to your unique financial needs. Learn more about our lease options.


Would you benefit from an interest bearing pre-payment account from which you can make loan payments? Funds placed in a Funds Held account can be withdrawn to make loan payments and for certain other purposes, and accrue interest for your benefit at a variable rate. A Funds Held Account can be opened when you borrow from the Association to:

  • Make a loan payment
  • Apply funds to your account
  • Use for other agricultural purposes
  • No minimum level of investment is necessary
  • Can withdraw the funds with a phone call

Interested in finding out more? Talk to your Loan Officer for complete details.


Preferred Harvest Stock carries a variable dividend rate and may be purchased and retired to fit your investment needs. Investment minimums are low, and you can access your account balances at any time using our Online Banking service. Click here for more information.