Seed Test Plots
Machinery and Equipment Loans – We offer loans to purchase the farm machinery, equipment and vehicles needed to operate your farm business. The terms range from one to five years. Our loan officers will work hard to structure your payment schedule to fit your specific flow needs.
Farm Production Loans Operating Loans and Lines of Credit are available for seasonal or cyclical production purposes. Funds are advanced for the payment of operating expenses during the course of the growing season. The loan is paid from the sale proceeds of the commodity produced. For your convenience, the funds can be deposited directly into your checking account.
Real Estate Loans – We offer long-term financing for purchases of farmland, building structures, and homes on your property. We will structure your real estate loan to match the cash flow of your farm operation. Loan prepayments are allowed without penalty.
Federal and State Government Programs – We are readily familiar with both the federal and state government programs that are available. After reviewing your specific situation, we will recommend the option that is right for your needs, and help you work through the entire process. Back to top
We offer competitive leasing options to fit your specific needs. Leasing is flexible, practical and cost effective. The specifics of your farm operation – cash flow, equipment needs, and tax situation – will help us define the terms of your lease.
We offer Equipment and Building Leases. With an Equipment Lease, the term is shorter than the expected useful life of the equipment. Rental payments do not cover the equipment cost for the lessor during the initial lease term. This type of lease is popular for high-tech equipment that could become obsolete.
With a Building Lease, the term is longer, nearly covering the useful life of the equipment. Rental payments tend to be lower because of longer terms and less residual risk.
We will provide leasing for just about any kind of equipment:
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- Grain Bins and Handling Equipment
- Irrigation Systems
- Feed Mills
- Fertilizer Equipment
- Computer Systems
*Crop Insurance products are sold through Gifford State Bank Insurance Services and are not FDIC insured. Please CLICK HERE for more information.
Seed Test Plots
Our test plots are located in Rantoul, Armstrong, North of St. Joseph and South of Ogden. The 2014 results are now available.
Crop Data Results
2014 Corn Plot Results
2014 Soybean Plot Results
2013 Plot Data
2012 Plot Data
2011 Plot Data
2010 Plot Data
2009 Plot Data
2008 Plot Data
2007 Plot Data
2006 Plot Data
2005 Plot Data
2004 Plot Data
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University of Illinois Extension