Farm Loans

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Operating Loans

Whatever type of farming you do, an operating loan from Farm Credit can provide the capital you need to make the most of your operation. No matter what amount you are borrowing, your application will be processed promptly, and you will receive answers quickly. Farm Credit is also one of the most competitive lenders in the nation, which means savings for you.

Options Available
  • Adjustable or prime-indexed loans
  • Fixed-rate loans for operating needs
  • Multi-year lines of credit 
  • Financing for all types of farms
  • Funds for specialty industries (for example, poultry or timber)
  • Loans to help you run related businesses
  • Livestock financing 
Flexibility That Fits Your Life
Once your loan is established, you can tap into services that include our convenient credit line drafts or our many internet banking capabilities that allow you to move funds, pay bills or draw on your loan for whatever needs arise.

A Farm Credit operating loan comes with a suite of access tools that makes using the funds simple and convenient. You can access your funds through a disbursement card — an access card similar to a debit or credit card — in addition to drafts and online banking. Our online banking functionality also allows you to transfer funds easily and securely to other accounts.
Loan Conversion Program
  • When interest rates or circumstances change, you can convert existing loans to a lower rate
  • Please call your local office for eligibility requirements


Kentucky (excludes Ballard, Calloway, Carlisle, Fulton, Graves, Hickman, Marshall and McCracken.); Ohio (excludes Lucas, Wood, Hancock, Ottawa, Sandusky, Seneca, Crawford, Wyandot and Marion counties).

**Assumes applicant is in good credit standing.