* 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 |
Purchase new or used campers, travel trailers, fifth wheels, RV, boats, boat motors, boat trailers 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. |
Used with secondary market guidelines for a Conventional, Federal Housing Authority (FHA), and Guaranteed Rural Housing loans. |
| 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. |
|
|
* 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. |
|
|
* All loans are subject to approved credit.
