Competitive rates on long-term fixed-rate financing options.
Meet the routine cash flow needs of your business and manage risk.
Quick and competitive financing for life’s needs from equipment to real estate improvement
Acquire flexibility and potential tax benefits.
Financing farm-related services such as custom application.
Maximize returns by putting idle funds to work where they generate the best return.
Financing for purchasing equipment or refinancing equipment loans
Food and fiber debt syndications and investments.
Financing specialized for processors, manufacturers and distributors of food and agricultural goods.
Specialized financing for large-scale beef producers to stay competitive and manage, improve or enlarge their operations.
Financing options for large-scale dairy producers to embrace opportunities and overcome milk price hurdles the market can present.
Specialized financing for large, established poultry and egg producers that takes market swings and regulations into account.
Financing options for large-scale pork producers, integrators and processors to help manage and expand their operations.
Specialized financing for sawmills, wood processing operations and large timberland owners to achieve profitability.
The stories, people and programs that are making an impact in rural communities and agriculture.
Collaborating with businesses and others in the agricultural industry that passionately care about rural America.
Initiatives that contribute to the economic vibrancy of rural communities and agriculture.
Where agriculture meets business and expertise meets Insight.
Meet the people and explore the forces shaping the place you call home.
Farming is more than a means of income for the Bolender family. It’s a lifestyle.
“It’s everything,” says Aubrey Bolender, who runs a grain and beef operation with her husband and three kids in southwest Ohio. “We wake up in the morning talking about it and right before we go to bed, we’re still talking about it. We do it because we enjoy it. We’re blessed to live this life.”
So, when it came time to find a lender eight years ago, it made sense for the Bolenders to work with a cooperative lender made up of farmers who understand their lifestyle and share their passion for it. With its cooperative model, competitive rates and strong roots in agriculture, Farm Credit Mid-America was the right fit for the Bolenders.
“They understand our way of life,” says Aubrey. “They understand the ebbs and flows of ag and they really do take into consideration where you’ve started and how far you’ve come. A lot of typical banks are only looking at certain numbers. They don’t look at the person and the progress. For a farmer, that takes a lot of the worry away.”
“They understand our way of life. They understand the ebbs and flows of ag and they really do take into consideration where you’ve started and how far you’ve come.”
That understanding is just one of the benefits of belonging to a cooperative like Farm Credit Mid-America. Cooperatives provide many benefits to its customers, and there’s comfort in knowing that co-op members want to see each other succeed—a fundamental value of the collective business model.
“Everyone’s pulling in the same direction,” says Daniel Smith, a Georgetown, Ky.,-based cattle farmer who, like Bolender, is a customer-member of Farm Credit Mid-America’s Advocate Council. “It benefits all of us working together.”
One major benefit available to Farm Credit Mid-America customer-owners that farmers will not find at traditional lenders is its Patronage program. Patronage is the name for the capital that a cooperative returns to its customers—and over the last five years, Farm Credit Mid-America has returned $648.5 million to Patronage-eligible customers through this program. Patronage checks are a welcome return for operators who use the funds to reinvest in their operations or pay down their loan balance further.
“It comes at a time of the year when, from a farming standpoint, your cash flow is at its lowest and you’re spending more money on crop inputs,” says Daniel, a customer for 11 years. “But it doesn’t matter what time of year you get patronage. It’s just a reflection of the whole group and how everybody’s doing.”
Aubrey adds: “You’re not going to get that with any other lender. There’s no other financial institution that we work with that you get a kickback based on the success of the co-op.”
Another additional benefit? Farm Credit Mid-America is committed to not only supporting its customers but also the communities it serves across Indiana, Ohio, Kentucky and Tennessee—with investments in local FFA Chapters, 4-H fairs, and local food banks—just to name a few. The cooperative is “part of the fabric of the community,” as Daniel says. And it’s that kind of collective, farmer-centered, got-your-back feel that makes Farm Credit Mid-America’s customers feel so strongly about the co-op.
“Everybody there, they know you by name, they know the kids,” Aubrey says. “It’s one of those places you look forward to going in just because of the people that are there.”
Helping make a difference in the lives of hungry Tennesseans
Proudly backing youth in agriculture through our state fair support
No-till pioneers continue "legacy of stewardship" on Kentucky family farm
A chance exposure draws a south Memphis student to the industry
Helping make a difference in the lives of hungry Tennesseans Read story
Proudly backing youth in agriculture through our state fair support Read story
No-till pioneers continue "legacy of stewardship" on Kentucky family farm Read story
A chance exposure draws a south Memphis student to the industry Read story
How one Ohio grain farmer and his son parked their plow to protect the land Read story
Regenerative farming at Indiana operation is good for the soil and our planet Read story
Tennessee dairy farmer prioritizes care for livestock, land and environment Read story
Meet the Gregorich family, first-generation beef farmers making their rural living dreams a reality Read story
How MANRRS helps steer minority talent to careers in agriculture Read story
Four Farm Credit Mid-America Advocate Council Members Share Their Stories Read story
Farm Credit Mid-America expands food bank assistance amid the COVID-19 crisis Read story
For students across the nation, FFA isn’t just an extra-curricular activity. It’s the foundation of a future in agriculture. Read story
Many of our 1,100 employees cite FFA as a formative life experience and have stayed involved with the organization. Here are a few of their stories. Read story
Producer and former FFA member Kenton Abrams shares his experience as a young farmer and his passion for agriculture. Read story
Several organizations across Indiana, Ohio, Kentucky and Tennessee work to get fresh fruit, vegetables and animal protein onto the plates of those in need. Read story
Ag teacher, 4-H leader and first generation rancher Josey Miller shares her experience in Part I of our 'Before the Farm' series. Read story
More than 6 million young people have benefitted from the 4-H experience, thanks in large part to volunteer advisors and trained 4-H educators who encourage them to discover their passion while developing lifelong skills like teamwork and leadership. Read story
By: Molly Rubio Read story
Get an insider's look behind the scenes at a county fair 4-H show. Read story
Real-world thinking coupled with real-world experience is crucial to agriculture education today. Read story
Family Scholar House helps parents forge paths to self-sufficiency for themselves and their children. Read story
The Homegrown by Heroes label helps veterans and active-duty service members set their farm products apart. Read story
At ag-focused Global Impact STEM Academy, students learn through hands-on projects
Seneca FFA in Louisville is urban, diverse and setting youth up for success Read story
Grain bin rescue tubes help rural fire departments keep communities safe
Virtual pork tours invite grade schoolers to explore the reality of modern farming
Farmers and food banks bring fresh food to local communities.. Read story
Beginning farmers are seeking educational opportunities to help their operations succeed Read story
One 4-H camp in Ohio needed funding to "Raise the Roof". Read story
Last fall, Purdue broke ground on two buildings that make up the new Purdue Animal Sciences complex. Read story
Last fall, Farm Credit staff volunteers planted vegetables in Unicoi High School's greenhouse. The crops will stock the school cafeteria. Read story
Meet two of tomorrow’s ag leaders, from two very different backgrounds. Read story