The majority of our farm real estate loans are fully amortized for 20 years, which means lower, more manageable payments. Shorter terms — as low as five years — also are available. Choose from annual, semi-annual, or monthly payment schedules. Our standard loans have no balloon payments so you won't be forced to renew or refinance at a later date when rates could be higher. And with no pre-payment penalty, you can pay ahead or pay off your loan at any time. Select an interest rate option that best meets your needs.

• Fixed Rates – provide maximum rate stability. You can lock in your rate for 10, 15, or 20 years.
• Adjustable Rates – allow you to lock in rates for one, two, three, five, seven, 10 or 15 years, providing you added flexibility to take advantage of changing market conditions.
• Variable Rate – is the most market-sensitive rate because it can change monthly. Historically, our variable rate has provided the most interest savings over the life of a loan.
• Multi-Rate – provides maximum interest rate protection by allowing you to place part of your loan on a longer-term fixed or adjustable rate and part on a shorter-term adjustable or variable rate, so whichever way interest rates move, you're protected.