Immediate access to money for farm or family needs with convenient drafts or through our 24-hour online banking site.
Payments Replenish Credit Line
Credit line replenished as principal payments are made on the loan.
No Opening Fee
No up-front fees required to open your account. Generally, no appraisal fee for your property if an existing appraisal can be used.
Equity lines with less than a $10,000 average outstanding balance over 12 months incur a $100 service charge.
Make interest-only payments, or principal and interest payments, anytime, without penalties or fees.
Competitive Loan Rates
Loans are priced based on the current New York Prime Rate index plus a margin. To obtain this rate, your payment must be automatically transferred from your checking or savings accounts through our PAID (automatic payment) program.
Interest-only payments if you qualify
Principal and interest payments any time without penalties or fees.
Home equity loans disclosure