Agriculture Loans

We are the largest agricultural lending credit union in Minnesota!

As the largest agricultural lending credit union in Minnesota and second largest in the United States, we provide our members with top-notch service and the ability to help farmers reach their business goals. Your lending needs are our priority. In addition, our agricultural lending team has the hands-on experience that originates from growing up as farmers themselves. Our experienced lending staff will visit you at your farm to discuss the right program or financial solutions.

Our ag lending experts will visit you at your farm to discuss your needs, call us today at (888) 330-8482 or start an application online:

Apply Now

Agricultural Loans

We understand that operating your farm is more than a full time job. That's why our agricultural lenders will visit your farm to discuss your needs. We can help with your fluctuating operating costs, financing new crops or livestock, and any other endeavors you see in your farm's future. We'll help make sure you have a strategy in place to help you manage your finances. Our knowledgeable and local lenders understand the industry and can fit you with the right options for your farm's needs. Our loans can feature:

Competitive rates
Terms to fit your business situation like 1, 3 or 5 years
Fixed payments making your finances more predictable

In addition, CMCU partners with several agencies to obtain GAP financing and low-cost solutions for your business' needs. Participation in these agencies help provide cost-effective solutions to your business. Some of the agencies CMCU participates with include:

Minnesota Department of Agriculture – Rural Finance Authority
MN Ag Best Management Practices Program
Farmer Mac
US Department of Agriculture (USDA)
Farm Service Agency (FSA)

CMCU is approved to offer FSA loan products under FSA’s Preferred Lender Program.
Your FSA loan could be expedited and efficiently funded!

What types of Agricultural Lending does CMCU do?

Your options are endless! Many farm owners work with us on the following types of farm loans:

Dairy Farms
Livestock
Agribusiness
Crop Production
Poultry
Hog Farms
FSA / RFA / Farmer Mac

Sweep Accounts Available!

A “sweep” is a type of automatic transfer created so that funds automatically move (or “sweep”) from your checking account to the loan account in order to maintain a desired minimum and maximum balance in the checking account as well as pay off your loan faster. You can determine the desired balance. This automatic “sweep” function cuts out the "manual" work and saves you precious time.

*Note: The sweep transfer does NOT function as an Overdraft Transfer to cover checks in the event funds are not available. A sweep account will only transfer funds after all checks have cleared for the day. You can set up another account for overdraft protection in addition to the Sweep Account.

Ag Real Estate

We understand it's important to keep your farm operation growing year over year. You may have opportunities to expand your farm and we can help you get there! Our experienced and knowledgeable lenders will visit your farm to discuss the right financial solutions to keep your farm growing. Our Ag Real Estate programs can feature:

Competitive rates
Fixed and variable rates and terms
Low closing costs
No monthly service charges

To get started, fill out an application and one of our Ag Lenders will contact you with more information:

Apply Now

Expand your farm with CMCU farm mortgages

Additional Products and Services for Farms

Check out all of your other options you can utilize with CMCU's suite of business products and services! Our business team will work with you individually to ensure you're on track to reaching your financial goals.