Loans

Choose from a variety of credit options and work with experienced professionals who understand agriculture.

Real Estate

Meet the mortgage needs of those investing in rural land. Long-term mortgage loans provide a stable source of capital and can be used to finance or refinance farm or ranch land purchases.

More Information

The funds can also be used to make improvements to farmland and agricultural structures. Fixed, adjustable and variable rates with 5 to 30 year terms and conversion options are available. FCS real estate loans are owned and serviced by the local association with no appraisal or closing costs.

Operating Loans

These are typically annual loans used to finance day to day business operations. Funds can be used to pay for operating expenses, family living, and feeder livestock. These loans may be secured or unsecured as required by credit procedures. Loan terms match the customer's operation cycles. Revolving Lines of Credit (RLOC) can be established up to three years if approved.

Operating Loans

These are typically annual loans used to finance day to day business operations. Funds can be used to pay for operating expenses, family living, and feeder livestock. These loans may be secured or unsecured as required by credit procedures. Loan terms match the customer's operation cycles. Revolving Lines of Credit (RLOC) can be established up to three years if approved.

Term Loans

Provide intermediate term credit for capital purchases such as new and used equipment, machinery, vehicles, irrigation systems and breeding livestock.

More Information

Loan terms and repayment schedules are matched to the loan purpose and the income cycle of the borrower. Variable, fixed and adjustable rates are available up to 7 years. Term loans can allow you to take advantage of cash discounts on purchases and interest is charged only on the actual funds borrowed.

Young and Beginning Farmer Loans

Provide programs and resources to help finance young or beginning farmers or ranchers. Special pricing and credit underwriting helps young and beginning farmers overcome some of the financial challenges they face. Farm Credit Services of Mandan is proud to support the future of our industry through these programs.

More Information
  • Young farmers and ranchers age 35 or younger, and/or are in the process of establishing an agricultural operation and have not assumed full control and risk of the operation for longer than 10 years are eligible.
  • Where possible, credit enhancements such as guarantees or subordination will be utilized to help manage credit risk.
  • We offer special programs on operating, livestock, and real estate financing, as well as equipment loans and leases. Rates and terms vary for each program.
  • We provide financial management services and resources such as appraisal, crop insurance, life and disability insurance, tax, record keeping, succession planning, and producer education.
  • These programs and services help young and beginning farmers establish themselves, manage risk, and increase profitability.

Young and Beginning Farmer Loans

Provide programs and resources to help finance young or beginning farmers or ranchers. Special pricing and credit underwriting helps young and beginning farmers overcome some of the financial challenges they face. Farm Credit Services of Mandan is proud to support the future of our industry through these programs.

More Information
  • Young farmers and ranchers age 35 or younger, and/or are in the process of establishing an agricultural operation and have not assumed full control and risk of the operation for longer than 10 years are eligible.
  • Where possible, credit enhancements such as guarantees or subordination will be utilized to help manage credit risk.
  • We offer special programs on operating, livestock, and real estate financing, as well as equipment loans and leases. Rates and terms vary for each program.
  • We provide financial management services and resources such as appraisal, crop insurance, life and disability insurance, tax, record keeping, succession planning, and producer education.
  • These programs and services help young and beginning farmers establish themselves, manage risk, and increase profitability.

Equipment Loans/Leases

Can be financed directly through the local implement dealer of their choice or though Farm Credit Services. Either way, the process is simple, quick and convenient.

More Information

Most decisions can be made on the spot. It’s quick, hassle-free credit with a variety of rates and terms available. We finance equipment of all shapes and sizes – from the standard to the specialized. All brands of new and used equipment can be financed up to 7 years.

Inventory Loans

Modern farming practices often require purchasing inputs for next year prior to the sale of the current year's production. Inventory loan funds are used to pay down or off the current year's operating loan. A maturity for the inventory loan is established that matches the sale of production inventory. These loans are typically secured by the inventory to be sold. Loan terms match the customer's sales plan for the production inventory (generally 3 – 6 months)

Inventory Loans

Modern farming practices often require purchasing inputs for next year prior to the sale of the current year's production. Inventory loan funds are used to pay down or off the current year's operating loan. A maturity for the inventory loan is established that matches the sale of production inventory. These loans are typically secured by the inventory to be sold. Loan terms match the customer's sales plan for the production inventory (generally 3 – 6 months)

AgriBusiness

AgriBusiness

Farm Credit Services finances business ventures that further process or market agricultural production for food, energy, feed, or fiber. The association’s capital base allows us to participate at a level higher than many financial institutions from large, complex, commercial agricultural enterprises to farm related businesses. We can also provide accounting services for inventory and accounts receivable management to improve profitability and tax law compliance.

Farm Cash Management

Your growing bottom line is our top priority. That’s why we provide Farm Cash Management investment accounts to help strengthen rural American businesses and communities. Farm Cash Management investment accounts work to your advantage by making the most of your money.

More Information

What is a Farm Cash Management Investment Account? A FCM (Farm Cash Management) is a flexible product that links your revolving line of credit (RLOC) with an AgriBank money market investment or simply serves as a stand alone money market investment account alternative. FCM investment accounts automatically manage your funds to minimize your cost of credit when you have a loan balance. If you’ve put more funds in your account than are needed for your loan, it will automatically invest them so you can earn competitive interest. This could save or earn hundreds of dollars for you every year.

Automatic Benefits

  • An FCM account can cut the cost of your operating loans.
  • An FCS account’s interest earnings are exempt from state and local income taxes.
  • Establishing an FCM account is easy.
  • An FCM account pays competitive interest without tying up your money.
  • An FCM Account with an RLOC Loan.

An FCM account as a stand alone money market investment. This is not an offer for the sale of Farm Cash Management investments or AgriBank Money Market investments. FCM is an investment in AgriBank bonds. Such investments are not insured by or a direct obligation of the United States government. FCM investments can only be purchased directly from AgriBank, FCB. Farm Credit associations are not authorized to represent AgriBank regarding such investment accounts.

Funds Held

Funds held accounts are available for the benefit and convenience of the borrowers who desire to make conditional payments. These conditional payments are maintained in a funds held account and earn interest until they are applied. Borrowers can use their funds held to advance future payments on their loans for maturities or accounts receivable or escrow payments for insurance premiums, taxes or other purposes.

Funds Held

Funds held accounts are available for the benefit and convenience of the borrowers who desire to make conditional payments. These conditional payments are maintained in a funds held account and earn interest until they are applied. Borrowers can use their funds held to advance future payments on their loans for maturities or accounts receivable or escrow payments for insurance premiums, taxes or other purposes.

More Information
Interest Rate Options We offer a wide range of interest rate products including fixed, variable and adjustable rate loans with financing terms up to 30 years. The most common are monthly variable rates, 5 year adjustable rates and fixed rates. We also offer special rates for young, beginning farmer loans with relaxed underwriting standards. Students can also apply for a Club Credit Loan up to $5,000 with a co-signer for their 4-H or FFA project. Please contact us for current rates and terms.

Credit Line

Are an easy, convenient way to access loan funds. Simply draw instantly on their pre-approved line of credit at any time by writing a draft against their loan. Interest is charged only on the funds spent.

More Information

There are two loan plans: Revolving Line of Credit (RLOC) and Declining Loan Balance. RLOC’s offer a credit line that be outstanding at any one time. Borrow and repay as often as necessary as long as the balance outstanding does not exceed the credit limit. Declining balance allows for disbursement of funds until the cumulative disbursements total the face amount on the note.

Interest Rate Options

We offer a wide range of interest rate products including fixed, variable and adjustable rate loans with financing terms up to 30 years. The most common are monthly variable rates, 5 year adjustable rates and fixed rates. We also offer special rates for young, beginning farmer loans with relaxed underwriting standards. Students can also apply for a Club Credit Loan up to $5,000 with a co-signer for their 4-H or FFA project. Please contact us for current rates and terms.

Sample Balance Sheets

A “Balance Sheet” lists Assets, Liabilities and Net Worth as of a certain date. A completed balance sheet will help you and your loan officer understand and evaluate your financial position. A complete set of financial statements for agriculture include: a Balance Sheet, an Income Statement, a Statement of Owner Equity and a Statement of Cash Flows.

View Balance Sheet

Loan Calculator

Use this loan calculator to get an estimate of loan payments. The actual payment amounts may vary depending on the interest rate, closing date, and other factors.

Use Calculator

Latest News

Annual Meeting Election Results

Two positions for directors were filled at the Farm Credit Services of Mandan, ACA annual meetings.  Sectional meetings were held as part of Farm Credit Services’ Customer Dinner Meeting and Director Elections on June 7 in Dickinson and June 8 in Mandan. Dawn Martin,...

read more

Don’t BANK on the Weather

Hail is a powerful peril to crops. The portion hail destroys may be less than the deductible of your MPCI policy. Crop Hail insurance can fill that gap and give acre-by-acre protection that can equal the crops’ cash value. FCS works with several reputable companies...

read more

Upcoming Events

Loading… Loading…
flare