Operating Loans

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$2,000 $200,000+


For loans up to $150,000, we offer a quick and simple online application.


For loans above $150,000, fill out our loan inquiry form and one of our team members will contact you.


Credit that revolves around you

Manage Cash Flow

Our operating line of credit allows you to purchase inputs prior to renewing the following year to take advantage of cash discounts.


Convenient Access

Access funds via drafts, disbursement card or wires, and monitor your account using our online banking or mobile app. Link your personal checking account to your operating line for added convenience.


Farm Cash Management

This interest-bearing account can be linked to your operating account to maximize cash use. Talk with us to find out more about this offering.

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A Straightforward Approach

No Renewal Fees

Many banks charge various fees with each renewal. Once your operating line is established, we do not charge any fees to renew your loan.


Competitive Rate Options

With a variety of rate options available, including fixed, adjustable and others, we have the right product for your needs.


Auto Renew/Revolve

We don’t require you to reapply every year when credit standards are met.


*Disbursement card is for use with an operating loan. Operating loans are subject to credit approval. Additional terms and conditions may apply. For more information, please contact us at 800-444-FARM. Farm Credit Mid-America is an equal opportunity lender.

Cash back is made in the form of a credit to your operating line every October. In the event your line has been paid in full, payment will be made via check.

Patronage is an annual decision made by the Board of Directors to return earnings to eligible customers. For more information on Patronage or Patronage eligibility, please visit our website at e-farmcredit.com/patronage

Resources and Tools

If you’d like to expedite the loan application process, consider gathering the below items prior to calling or meeting with us:

  • Most recent tax returns from the past two years
  • Bank statement
  • W-2 and pay stubs

Calculate Your Payments

Determine your payment or loan amount for different frequencies and schedules.

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