Farm Credit Services of North Dakota, ACA provides short, intermediate and long-term credit to farmers, ranchers and ag-related businesses. And our Pat-NOW philosophy is our pledge to you to keep interest rates low! FCS also offers life and disability insurance, crop-hail insurance, multi-peril crop insurance, real estate fee appraisals, and expertise in estate planning. FCS North Dakota's chartered territory covers 17 counties and approximately 20,000 square miles in Northwest North Dakota, serving farmers and ranchers through seven full-time branch offices. We offer the most comprehensive credit and insurance packages tailored for the agricultural industry. Call us today to find out about the products and services that are designed for people, like you, who work in the heart of rural America. And be sure and ask us how Pat-NOW can benefit you!