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.

LONG-TERM LOANS

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

INTERMEDIATE-TERM LOANS

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

SHORT-TERM LOANS

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

EQUIPMENT LEASE PLACEMENTS

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.

APPRAISAL SERVICES

Almost any transaction involving your property will require an expert appraisal. Our staff includes state-certified general real estate appraisers who specialize in farm, rural properties and timber. If an appraisal is needed for obtaining your loan or establishing a value, our appraisal staff can help. Learn about our Appraisal Services here.

CREDIT LIFE INSURANCE

You can protect your loan obligations with competitively priced credit life insurance with plans developed specifically for Farm Credit customers. Read more here.

FUNDS HELD ACCOUNT

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 Funds placed in a Funds Held account can be withdrawn to make loan payments and for certain other purposes, and accrue interest for your benefit at a variable rate.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.

HARVEST PREFERRED STOCK

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.