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Lending Leasing

Crop Insurance*

Seed Test Plots

Agricultural Links

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.

    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.
      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:

        • Tractors
        • Combines
        • Implements
        • Trucks
        • Grain Bins and Handling Equipment
        • Irrigation Systems
        • Feed Mills
        • Fertilizer Equipment
        • Computer Systems
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        Crop Insurance*
        *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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        Agricultural Links
        University of Illinois Extension



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