Western Kansas Products
Farm Operating Loans
Farm Credit makes loans for operating inputs and expenses such as
feed, fertilizer, seed, and labor as well as for such expenditures
as rent, taxes, insurance, and day-to-day living. A Farm Credit
operating loan can be designed to meet your specific financing needs.
Your choices and benefits include:
Commitment Line: Allows you to draw money as needed against a
pre-determined amount of credit for an operating cycle. You only
pay interest on the funds you use.
Revolving Line: Just
like a commitment line, but payments restore credit to full use
again.
Free drafts and computer images provided on operating
lines.
Immediate credit for repayments received by daily
cut-off time and loans may be repaid at any time without penalty.
Livestock Loans
Farm Credit makes loans for the purchase, care, and feeding, or
refinancing of debt on livestock. Whether you are feeding cattle
or have a cow herd, we can design a loan that fits the way you operate.
With a choice of variable, adjustable, or fixed rates and loan terms
up to seven years, we can design a livestock loan that is right
for you.
Real Estate Loans
Farm Credit makes loans for the purchase, improvement, or refinancing
of debt on farms, ranches, facilities, and rural real estate.
Real estate loans can be designed to meet your specific financing
needs. Loan terms range from 5 to 30 years with no prepayment penalty.
You have a choice of either variable, adjustable or fixed interest
rates. Your choices and benefits with a Farm Credit real estate
loan include:
Loan Term: 5 to 30 years.
Payment Plans: Monthly, quarterly,
semiannual, or annual payments.
Prepayment: Most loans may
be repaid at any time without penalty.
Conversion: Most
loans may be converted to another interest rate product for a single
conversion fee without needing to re-qualify.
Facility Loans
We can finance all types of agricultural facilities from grain storage
to processing plants. Loan terms and repayment schedules are tailored
to meet your individual credit needs.
Equipment Loans and Leases
Farm Credit offers diverse loan and leasing options for virtually
all equipment and machinery used in agriculture: tractors, combines,
farm implements, dairy equipment, grain bins, above ground irrigation
systems, trucks, processing and packaging equipment, and material
handling equipment.
Agribusiness Financing
Whether your business is selling fertilizer or custom feeding cattle,
Farm Credit has the financial tools to help you succeed. See our
loan officers for details on how we can help with the business-end
of agriculture.
Young, Beginning, and Small Farmer Loans
We know that getting started in agriculture can be tough. That is
why we have special programs to help young, beginning, and small
farmers. Whether it means arranging a joint loan with the Farm Service
Agency or meeting with you around your off-farm work schedule, we
a here to help you make your farming dream a reality.
Vehicle Leasing
This special program allows you to take advantage of fleet buying
discounts to Farm Credit Leasing. We can lease a pick-up or sport
utility vehicle with payment plans from 2 to 5 years.
Crop Insurance
We offer crop insurance to protect your investment. Our agents specialize
in crop insurance to provide you with the best service in the business.
For more information, contact our agent Kelly Horinek at 1-800-657-6048 or by e-mail at
CropInsurance@fcwk.com.
Term Life Insurance
Our credit life insurance goes beyond just insuring your life, we
can also provide you with disability coverage. Since we have licensed
agents on staff, we are also able to offer you with life insurance
products that go beyond traditional credit life. With Farm Credit,
you are free to choose the owner and beneficiary for your life insurance
policies. Contact us for more information and a full disclosure
of the products offered. For more information, contact our
agent Kelly Horinek at 1-800-657-6048 or by e-mail
at
LifeInsurance@fcwk.com.
Appraisal Services
For customers who need an independent appraisal of real estate by
State General Certified Appraisers. Our appraisers have many years
of appraisal experience and hold certifications from the American
Society of Farm Managers and Rural Appraisers. For more information,
contact our agents Scott Brown or Jason Smith at 1-800-657-6048
or by e-mail at
Appraisers@fcwk.com.
Borrower Resources
Not sure which option is right for you?
Start your conversation with Western Kansas today by
sharing some general information about you and your needs!