|
Product |
Description |
|
Operating Loans |
-
Revolving or declining
balance loan
-
Terms of up to 15 months
-
Variable, 1 year
adjustable, and fixed rate interest options available
|
|
Breeding Livestock and Equipment Loans |
-
Up to 7 years term
-
Up to 10 year term on
specialized facilities/equipment
-
Variable, 1,3,5 year
Adjustable, and Fixed Rate interest options available
-
Funds Held program
available
|
|
Real Estate Loans |
-
5 year to 30 year term
-
Monthly, quarterly,
semi-annual, or annual installment options
-
Variable, Adjustable and
Fixed Rate interest options
|
|
FCS Home Mortgage |
-
15, 20 , 30, 40 year
terms
-
100% Financing
-
Second Mortgages &
HELOC's
-
Construction to Perm
options
-
Competitive Fixed Rates
up to 30 years
-
Private Mortgage
Insurance (PMI) options
|
|
Leasing |
-
A “true” lease is tax
deductible
-
Terms of 3 to 7 years
-
Renewal and purchasing
options at the end of the lease
-
Equipment - Agricultural
and Timber
-
Vehicles and fleets
-
Structures
|
|
Real Estate Appraisals |
-
High quality agricultural
appraisals at a reasonable cost
-
Rural residence property
appraisals
-
Timberland
|
|
Term and Credit Life Insurance |
-
Group life and term life
options
-
Guaranteed renewable
-
Discount for non-tobacco
users
-
Optional payment
frequency
-
Disability Coverage
option available
|
|
Young, Beginning, Small Farmer Program |
-
A “young farmer” is
someone who is 35 years old or younger.
-
A “beginning farmer” is
someone who has farmed for 10 years or less.
-
A “small farmer” is
someone who has gross farm sales of $250,000 or less.
-
Special 4-H & FFA Youth
loan program available
|
|
Forestry & Timber Loans |
- Timberland purchase
- Plantation establishment
- Operating, Equipment, or fixed assets
- Timber harvesting, marketing, and processing
|
