Agricultural Banking
Ag Loans

Agricultural Loans

Agricultural Real Estate

Are you looking to finance a land purchase, refinance existing real estate, or make farm improvements? You need a friend who understands your business. Our agricultural bankers have strong roots in the area and personal knowledge of the farming community to help meet your demands. 

Ag Lines of Credit

Using an Ag Line of Credit is a convenient way to manage your farm’s cash flow. With an Ag Line of Credit, you do not have to apply for each individual loan. Instead, you can easily access these funds at any time; whenever you need them. For extra flexibility, you can even manage your draws and repayments with internet banking.

Contact Us
Contact your
Personal Banker today.
 
Or contact Hank Koester at
217-857-3166

Printable Farmer's
Financial Statement


Equipment Loans

In the past, farmers would work the land with muscle, sweat, and sheer determination, but farming today also requires sophisticated equipment, tools, and technology; which can be rather costly. Our personnel will set you up with an affordable Equipment Loan designed to meet your demands while remaining suitable for your budget.

Loans for Beginning Farmers

Are you buying farmland for the first time? Whether you are starting a new operation or taking over the family farm, we understand the financial hardships you will face. We work with the Farm Service Agency (FSA) to assist beginning farmers in purchasing a farm at competitive rates.*

Guaranteed Loan Program

We know that farmers face unique challenges. Because of variable input costs and the potential for weather interruptions might leave you with a tight cash flow, we offer a specialized lending program in conjunction with FSA that may help you qualify for a loan.*

*Not all borrowers will qualify for all lending programs. Income restrictions and collateral requirements may apply.

All loans are subject to credit approval.
The USA PATRIOT Act has paved the way for financial institutions to help prevent fraud, identity theft, and the spread of terrorism. It requires financial institutions to obtain more information from an individual or legal entity to help establish identity.

Your cooperation is needed when you open a new account or request a loan. You may be asked more questions to establish and confirm your identity. It may also be required for you to provide one or more forms of identification.