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Loans and Leases :: Loan Information
Operating Loans
Farm Credit Services understands how the cycles of farming can affect your business. We will work with you to tailor a loan that fits your operation and your cash flow. Credit Line Operating Loans are short-term loans used to finance daily business operations. Credit Line customers access loan funds with drafts that can be used 7 days a week, 24 hours a day.

Credit Line
Farm Credit offers a line of credit that can be outstanding at any one time. The customer can borrow and repay as often as necessary as long as the balance doesn't exceed the credit limit.

Farm Cash Management
In today's agricultural world you can't afford to let your money sit idle. That's why Farm Credit Services and AgriBank have teamed up to introduce a NEW integrated account to help you maximize the use of your money. It's called Farm Cash Management account - and it's available only to FCS members. The Farm Cash Management account combines the ready availability of a revolving line of credit with the high return of a short-term investment.

The account saves you money by putting your funds to work where they generate the best return for YOU.

Funds Held Account Earns You Interest and Saves Time
Park you excess funds in this account and receive an excellent rate of interest and still withdraw funds to pay insurance, taxes or for any reason you want - up to 12 times per year. You can save time when you deposit money in your account anytime. When your loan comes due, it's automatically transferred to your loan payment

Equipment and Machinery Loans
Farm Credit Services offers competitive rates, quick and convenient loans on equipment and machinery. You can also obtain Farm Credit financing through your equipment dealer, as well as at your local FCS office. Our financing specialists can help you acquire the equipment and machinery you need, in a way that meets your financial objectives.

Expand Your Horizons with a Real Estate Loan
More than land and building loans, at Farm Credit Services we offer creative financing solutions designed to meet your individual needs. Along with a variety of rates and terms, FCS offers other advantages too - such as conversion options, interest rate caps and flexible payment schedules. Contact our agricultural credit specialists today to learn more about our real estate loan options designed just for you.

High Quality Real Estate Appraisals at a Reasonable Cost
When you need to establish the value of farm real estate, it makes sense to turn to the agricultural appraisal specialists at Farm Credit Services for a professional, reliable, high quality appraisal at a reasonable cost.

Appraisal services may be provided to persons or entities that are eligible to borrow from Farm Credit Services. Appraisal services may also be provided to banks and other institutions requesting for or on behalf of such eligible persons.

Appraisal services may be provided on agriculture, agribusiness and rural residential properties.

Country Living Mortgages Offer Comfortable Advantages
If you live in the country, or would like to, Farm Credit Services can help you buy, build, refinance or remodel the house of your dreams. We finance primary residences - country homes, small farms, lake homes and more - as well as the acreage underneath them.

Country mortgages offer flexible terms and competitive rates. Contact a Farm Credit lending specialist to discuss a loan that is tailored to fit your individual needs, resulting in a mortgage that's easy to live with.

Keeping the Farm in the Family
Bringing the next generation into the family farming business is important to Farm Credit Services. The Family Farm Program allows sellers to participate in the financing, and be paid over a five-year period, with FCS financing a 25-year mortgage.

The Family Farm Program lets young purchasers get started with a lower down payment, build their equity faster, and save on interest. It also gives the sellers a steady source of retirement income and a tax advantage.

Secondary Market Loans
Farm Credit Services offer rural residential home financing with competitive rates and quick service.

Student Loans: The Right Tools for the Road Ahead
Farm Credit Services offers student loans for children of farm families that meet the eligibility requirements and will be attending a public or private institution. The loan has a variable interest rate, subject to change annually. The maximum loan is $20,000, with draws of $2500 each semester. The loan term will be set up on a five-year term.


  • Operating Loans
  • Credit Line
  • Farm Cash Management
  • Funds Held
  • Equipment & Machinery Loans
  • Real Estate Loans
  • Appraisal Services
  • Country Mortgages
  • Family Farm Program
  • Secondary Market Loans
  • Student Loans
  • Loan Officer Contacts:
    Minot Branch:
    701-852-1265 or 1-800-264-1265
      Steve Vangsness
      Dean Ziegler
      Don Olsen
      Walt Grigas
      Tanner Vix
      Ross Johnson
      Mat Jensen
      Bob Daws
      Todd Erickson
      Duane Foley
    Carrington Branch:
    701-652-2836 or 1-800-264-2836
      Tom Erdmann
      Jay Hendrickson
      Renee Hallwachs
    Williston Branch:
    701-774-0055 or 1-800-264-1095
      Pete Best
      Les Laqua
    Bottineau Branch:
    701-228-3731 or 1-800-264-3731
      Rodney Bursinger
    Rugby Branch:
    701-776-5863 or 1-800-467-5863
      Steve Dockter
      Carl Duchscher

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