Loans

Agriculture

Operating Line of Credit Loans: use funds as you need them throughout the year but interest accrues only on the amount you actually borrow.

Livestock Loans: purchase livestock with either an individual note or a renewable line of credit.

Equipment Loans: term out debt for equipment purchases to keep working capital available for operating needs.

Ag Real Estate Loans: acquire new land or refinance at a fixed rate with a customizable payment schedule.

Irrigation Loans/Leases: term out debt for irrigation equipment costs.  

Young Farmer Program:  get started farming with an agriculture real estate loan from us.  Below market interest rate for those who qualify (age 20-45 with a family member's 35% down payment).  

Commercial

Commercial Line of Credit Loans: manage occasional cash shortfalls by borrowing only what you need and then repay based on your sales.

Inventory and Equipment Loans: borrow at a fixed rate to purchase inventory or equipment and keep your cash available for operating needs.

Commercial Real Estate Loans: acquire new property, build a new facility, or expand an existing facility with loan terms tailored to meet your needs.

Consumer

Vehicle Loans: buy your dream car or truck with our financing help!

Personal Loans: borrow cash for any reason using collateral such as CD's, vehicles, real estate or other personal property.

Real Estate

Home Mortgages: buy your dream home with either a fixed or adjustable rate mortgage.  We offer both in-house servicing for up to 20 years or secondary market financing for 15, 20, or 30 years.

Home Improvement Loans: add space or upgrade the space you have with a loan from us!

Home Equity Line of Credit (HELOC) Loans: tap into the equity of your home to finance such expenses as college tuition, medical bills, or business start-up costs.

Land Purchase Loans: buy the perfect land for the future location of your new home.

Home Construction Loans: build your new home with short-term financing during the construction phase and then we'll help you obtain the appropriate mortgage for the long-term once your home is completed.