Variable Rate Loans. A variable rate loan will generally offer you the lowest interest rate available at any point in time.
Adjustable Rate Loans. With an adjustable rate loan (ARM), your interest rate will be fixed for a specific term, normally one, three or five years. The term selected renews until the loan matures.
Fixed Rate Loans. With a fixed rate loan, your interest rate will remain the same for the term of your loan. You'll have peace-of-mind knowing that your payment will not change during the life of the loan. And, there are no prepayment penalties for most of our fixed rate loans.
Conversion Program. With our Conversion Program, you can change from one interest rate program to another when it suits your needs. There will be a fee charged when you convert to a new rate. Your loan officer can give you more details about this program.
Loan terms. We offer loan terms of one month to 30 years, and everything in between. Generally, the shorter your term, the lower your rate will be. Your AgHeritage FCS loan officer can help you choose the right loan term for your operation.
Payment Options. We offer several payment options, including monthly, quarterly, semi-annual and annual payments. And, each option has an account draft feature that can save you time and money.