* All loans are subject to approved credit.
| Guaranteed Farm & Ranch Loan Program | |
| Description | Types Offered / Purpose |
The Bank offers government guaranteed loans through the Farm Service Agency (FSA) to eligible applicants who will operate family-sized farms and ranches. |
Government guaranteed operating loans |
| Operating loans-lines of credit | |
| Farm ownership loans | |
* All loans are subject to approved credit.
| Commercial Lines of Credit | |
| Description | Types Offered / Purpose |
Loans for short-term to business customers. |
Funding cash flows |
| Commercial Term Loans | |
| Description | Types Offered / Purpose |
Term loans for qualifying real estate loans, |
Expansion or modification of plant or equipment, |
| Refinancing a present debt, | |
| Replenishing working capital depleted by previous expansion, | |
| ...and more! | |
| Government Guaranteed Loans | |
| Description | Types Offered / Purpose |
Small business loans through the United States Small Business Administration (SBA). |
Allows the bank to offer extended repayment terms and favorable rates to eligible small businesses. |
| Guaranteed Loans to Large Commercial Business & Industry (B&I) | |
| Description | Types Offered / Purpose |
Administered by the Rural Business Cooperative Service, a division of the USDA, Rural Development. |
To improve, develop, or finance businesses, industry, and employment. |
| Land Loans | |
| Description | Types Offered / Purpose |
For development of property, usually when construction will proceed within a year of loan. |
To develop property. |
* All loans are subject to approved credit.
| Automobile Loans | |
| Description | Types Offered / Purpose |
For new and used vehicles ranging from small cars to large trucks. |
To acquire a vehicle. |
| Home Improvement Loans | |
| Description | Types Offered / Purpose |
A home improvement loan can be made for a variety of reasons. |
Add rooms to your home. |
| Add/adjust air conditioning and/or heating. | |
| Remodel your home. | |
| Add a swimming pool. | |
| Add a fence. | |
| Landscape your yard. | |
| ...and more! | |
| Home Equity Credit Line (HECL) | |
| Description | Types Offered / Purpose |
A revolving open-end credit in which the customer’s home serves as collateral. The customer will be approved for a specific amount of credit to spend. The customer will receive checks to advance on the loan for their spending needs. |
Education. |
| Vacations. | |
| Medical bills. | |
| Remodeling. | |
| Debt consolidation. | |
| ...and more! | |
| Mobile Home Loans | |
| Description | Types Offered / Purpose |
This loan is to finance mobile home purchases with or without land. |
To acquire a mobile home. |
| Furniture and Appliance Loans | |
| Description | Types Offered / Purpose |
We make loans for customers to purchase furniture and/or appliances for their home. |
To acquire furniture and/or appliances. |
| Recreational Equipment Loans | |
| Description | Types Offered / Purpose |
A loan to purchase new or used campers, travel trailers, fifth wheels, boats, boat motors, boat trailers, horse trailers, ATV’s and motor homes. |
To acquire recreational vehicles. |
* All loans are subject to approved credit.
| Term Real Estate Loans | |
| Description | Types Offered / Purpose |
Longer terms from 10 to 30 years for residential property and secondary market rates. |
This type of loan is used with secondary market guidelines for a Conventional, Fannie Mae, Federal Housing Authority, and Guaranteed Rural Housing loans. These loans have terms from 10 to 30 years for residential property and offer the advantage of secondary market interest rates. |
| Interim Real Estate Loans | |
| Description | Types Offered / Purpose |
For customers for new building construction, along with the permanent take out loan. |
For new building construction. |
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* All loans are subject to approved credit.
INSURANCE PREMIUM FINANCING (IPF)
| Insurance Premium Financing (IPF) | |
| Description | Types Offered / Purpose |
IPF is specialized lending that offers funding |
For business insurance. |
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* All loans are subject to approved credit.
