Machinery and Equipment Loans – We offer loans to purchase the farm machinery, equipment and vehicles needed to operate your farm business. The terms range from one to five years. Our loan officers will work hard to structure your payment schedule to fit your specific flow needs.

Real Estate Loans – We offer long-term financing for purchases of farmland, building structures, and homes on your property. We will structure your real estate loan to match the cash flow of your farm operation. Loan prepayments are allowed without penalty.

Federal and State Government Programs – We are readily familiar with both the federal and state government programs that are available. After reviewing your specific situation, we will recommend the option that is right for your needs, and help you work through the entire process.

Leasing
We offer competitive leasing options to fit your specific needs. Leasing is flexible, practical and cost effective. The specifics of your farm operation – cash flow, equipment needs, and tax situation – will help us define the terms of your lease.

We offer Equipment and Building Leases. With an Equipment Lease, the term is shorter than the expected useful life of the equipment. Rental payments do not cover the equipment cost for the lessor during the initial lease term. This type of lease is popular for high-tech equipment that could become obsolete.

With a Building Lease, the term is longer, nearly covering the useful life of the equipment. Rental payments tend to be lower because of longer terms and less residual risk.

We will provide leasing for just about any kind of equipment:

• Tractors
• Combines
• Implements
• Trucks
• Grain Bins and Handling Equipment
• Irrigation Systems
• Feed Mills
• Fertilizer Equipment
• Computer Systems

Crop Insurance
Crop Insurance is all about protecting your farm investment and your future. We offer the following insurance products:

• Multi-Peril Crop Insurance
• Crop-Hail Insurance
• Named Peril Crop Insurance
• Farm Owners Multiple Peril Insurance

And we enhance each of our products with extraordinary service and benefits, such as timely adjustments and complimentary GPS farm mapping.

Seed Test Plots
Our test plots are located in Rantoul, Armstrong, North of St. Joseph and South of Ogden. The Armstrong, Ogden, St. Joseph and Rantoul plots each feature forty-two varieties of corn. The St. Joseph plot also includes thirty-three varieties of beans. The 2007 results are now available.