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10-Year Line of Credit

Decade-long terms to support generations of growth.

Benefits of Our 10-year Line of Credit

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Grow Your Operation

Use your 10-Year Line of Credit to grow your operation without time-consuming annual renewals.

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Competitive Rates and Terms

Lower rates and better terms than a traditional Line of Credit allow you to put interest saved back into your operation.

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Expertise and Flexibility

Our local financing experts match recommendations with your cash flow and goals, to maximize your Line of Credit.

No Mandatory Pay-Downs

Get unlimited cash withdrawals with no prepayment penalties.

Why A 10-Year Line of Credit?

Our 10-Year Line of Credit lets you access your credit for a decade, so you can leverage your land’s equity to grow your business and preserve working capital for your operation without the time and stress of yearly renewal.

FCSAmerica believes access to your money matters – and so does your time. Get the assurance and flexibility of a 10-Year Line of Credit without having to start over when new needs and opportunities arise.

Request Follow Up

Complete this form to request a follow-up or reach out to your Financial Officer for more information.

Additional Benefits

Remote Deposit

Scan and apply checks, including third-party checks, as payments directly into your operating line of credit - without maximum limits.

Maximize Your Options

Use your Line of Credit for eqiupment or real estate purchases, and restructure to a longer-term loan in the future.

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Cash-back Dividends

Eligible customer-owners can count on annual cash-back dividends equal to 1% of your total loan volume.

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Account Access

View balances and transaction histories, transfer funds, make payments and more through AgriPoint_®.

10-Year Line of Credit Rates and Terms

Fixed Rates

Choice of revolving or non-revolving line of credit.
Payment plans designed around your cash flow expectations.

Variable Rates

Choice of revolving or non-revolving line of credit.
Rate based on either market index or FCSAmerica-administered indexes.

Convenient Features

Flexible payment options to fit your cash flow needs. Interest-only loans with monthly statements and annual interest give you more marketing flexibility. Choose the date you want to pay your annual interest based on your needs.

Terms

Loans are subject to eligibility and credit approval. Minimum equity requirements and other restrictions may apply.

Available rates and terms, including the annual percentage rate (APR) are subject to change without notice.

The Board of Directors intends to pay a dividend that has historically approximated 1% of a customer's eligible average daily loan balance each year, barring any unforeseen events.