Lean on government funding to make your Ag dreams a reality
With a variety of financing programs available, low rates, and lower down payments – easily bring farming visions to life.
Benefits You'll Love
- Cover agribusiness needs with low rate financing
- Take advantage of customized repayment terms
- Explore a variety of loan programs to meet your needs
- Experience local decision-making and processing
- Competitively low rates for a wide range of agribusiness needs
- Specialty lending programs available, including:
- FSA Guaranteed Loans
- AgBMP Loans
- RFA Loans
- Accommodating repayment options*
- Lenders with working knowledge of local agricultural standards
- Attentive service throughout the entire process
- Local decision-making and processing
RFA Basic Farm Loan Program
- Available for the purchase of farm real estate
- No loan maximum
- RFA participation: 45% of first mortgage to a maximum of $300,000
- Terms up to 20 years
RFA Restructure II Program
- Restructure of agricultural debt
- For farmers in good credit standing with trouble meeting cash flow due to adverse events
- RFA participation: 45% of first mortgage to a maximum of $400,000
- Terms up to 20 years
AgBMP Loans
- Financing solutions to restore or protect water quality
- Available to farmers, rural landowners, farm supply businesses
- Available for feedlot improvements, manure storage basins, spreading equipment, conservation tillage equipment, terraces, waterways, sediment basins, shore and river stabilization, septic systems, and more
- Maximum loan amounts of $100,000
- Terms up to 10 years
- 3% maximum rate*
FSA Guaranteed Loans
- Competitively low rates for people who need assistance starting, expanding, or owning a farm or ranch
- Available to farmers who may have trouble securing financing otherwise
- Accommodating repayment options**
*Contact an ag loan officer for further financing details.
*Lender may charge customary fees and require collateral. Borrower must meet lending criteria. Additional local limitations may apply.
**Contact an ag loan officer for further financing details.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
CD Rates 8/27/2024
| Term | Balance to Earn APY | Interest Rate | APY |
|---|---|---|---|
|
15 Month Special^ |
$10,000+ | 4.17% | 4.24% |
| 1 Month | $2,500+ | 1.00% | 1.00% |
| 3 Months | $2,500+ | 1.15% | 1.15% |
| 6 Months | $2,500 - $34,999.99 | 1.40% | 1.41% |
| 6 Months | $35,000+ | 1.50% | 1.51% |
| 12 Months | $250 - $9,999.99 | 3.20% | 3.24% |
| 12 Months | $10,000 - $34,999.99 | 3.40% | 3.44% |
| 12 Months | $35,000+ | 4.55% | 4.63% |
| 24 Months | $250 - $9,999.99 | 3.55% | 3.60% |
| 24 Months | $10,000 - $34,999.99 | 3.65% | 3.70% |
| 24 Months | $35,000+ | 4.00% | 4.06% |
| 36 Months | $250 - $9,999.99 | 3.55% | 3.60% |
| 36 Months | $10,000 - $34,999.99 | 3.65% | 3.70% |
| 36 Months | $35,000+ | 3.75% | 3.80% |
| 48 Months | $250 - $9,999.99 | 2.80% | 2.83% |
| 48 Months | $10,000 - $34,999.99 | 2.90% | 2.93% |
| 48 Months | $35,000+ | 3.00% | 3.03% |
| 60 Months | $250 - $9,999.99 | 3.00% | 3.03% |
| 60 Months | $10,000 - $34,999.99 | 3.10% | 3.14% |
| 60 Months | $35,000+ | 3.20% | 3.24% |
Certificates of Deposit (CDs)
| Term | Balance to Earn APY | Interest Rate | APY |
|---|---|---|---|
| 1 Month | $2,500+ | 1.00% | 1.00% |
| 3 Months | $2,500+ | 1.15% | 1.15% |
| 6 Months | $2,500 - $34,999.99 | 1.40% | 1.41% |
| 6 Months | $35,000+ | 1.50% | 1.51% |
| 12 Months | $250 - $9,999.99 | 3.20% | 3.24% |
| 12 Months | $10,000 - $34,999.99 | 3.40% | 3.44% |
| 12 Months | $35,000+ | 4.10% | 4.16% |
| 24 Months | $250 - $9,999.99 | 3.30% | 3.34% |
| 24 Months | $10,000 - $34,999.99 | 3.40% | 3.44% |
| 24 Months | $35,000+ | 3.50% | 3.55% |
| 36 Months | $250 - $9,999.99 | 3.30% | 3.34% |
| 36 Months | $10,000 - $34,999.99 | 3.40% | 3.44% |
| 36 Months | $35,000+ | 3.50% | 3.55% |
| 48 Months | $250 - $9,999.99 | 2.80% | 2.83% |
| 48 Months | $10,000 - $34,999.99 | 2.90% | 2.93% |
| 48 Months | $35,000+ | 3.00% | 3.03% |
| 60 Months | $250 - $9,999.99 | 3.00% | 3.03% |
| 60 Months | $10,000 - $34,999.99 | 3.10% | 3.14% |
| 60 Months | $35,000+ | 3.20% | 3.24% |
1 month & 3-month certificate terms compound at maturity; all other certificate terms compound quarterly. The interest compounding method we use is the same as the crediting frequency. Other crediting frequencies may be available upon request. For all certificate terms 6 months or less the minimum required opening deposit is $2,500; all other certificate terms have a minimum required opening deposit of $250. Special rates on $100,000.00 and over may be available upon request. A penalty may be imposed for early withdrawal. You may request further information concerning early withdrawal penalties, fees and terms applicable to the advertised accounts. The annual percentage yield is accurate as of effective date listed. Rates and fees may change without notice.
Express Checking with Interest
| Minimum Required Opening Deposit | Balance Required to Earn APY | Interest Rate | APY |
|---|---|---|---|
| $1,000 | $0 - $999.99 | 0.00% | 0.00% |
| $1,000 | $1,000 - $7,499.99 | 0.15% | 0.00% to 0.13% |
| $1,000 | $7,500 - $49,999.99 | 0.25% | 0.13% to 0.23% |
| $1,000 | $50,000 - $99,999.99 | 0.35% | 0.23% to 0.29% |
| $1,000 | $100,000 - $249,999.99 | 0.45% | 0.29% to 0.39% |
| $1,000 | $250,000+ | 0.50% | 0.39% to 0.50% |
Kasasa Cash*
| Minimum Required Opening Deposit | Balance Required to Earn APY | Interest Rate | APY |
|---|---|---|---|
| $25 | $0 - $25,000 | 4.89% | 5.00% |
| $25 | $25,000.01+ | 0.50% | 5.00% to 1.40% |
| $25 | Qualifications not met | 0.01% | 0.01% |
Qualifications
Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:
- Have at least 10 debit card purchases post and settle
- Be enrolled and receive eStatement notice
- Be enrolled and log into online banking
- Have at least 1 direct deposit or automatic payment (ACH) post and settle
If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.
Kasasa Saver*
| Minimum Required Opening Deposit | Balance Required to Earn APY | Interest Rate | APY |
|---|---|---|---|
| $25 | $0 - $25,000 | 1.00% | 1.00% |
| $25 | $25,000.01+ | 0.50% | 1.00% to 0.60% |
| $25 | Qualifications not met | 0.01% | 0.01% |
Qualifications
Qualifying for Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate too.
It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify.
Money Market Checking
| Minimum Required Opening Deposit | Balance Required to Earn APY | Interest Rate | APY |
|---|---|---|---|
| $1,000 | $0 - $2,499.99 | 0.00% | 0.00% |
| $1,000 | $2,500 -$9,999.99 | 0.20% | 0.20% |
| $1,000 | $10,000 - $24,999.99 | 0.30% | 0.30% |
| $1,000 | $25,000 - $49,999.99 | 0.40% | 0.40% |
| $1,000 | $50,000 - $99,999.99 | 0.50% | 0.50% |
| $1,000 | $100,000+ | 0.60% | 0.60% |
Peoples Preferred Savings
| Minimum Required Opening Deposit | Balance Required to Earn APY | Interest Rate | APY |
|---|---|---|---|
| $1,000 | $0 - $999.99 | 0.00% | 0.00% |
| $1,000 | $1,000 - $7,499.99 | 0.50% | 0.50% |
| $1,000 | $7,500 - $49,999.99 | 0.90% | 0.90% |
| $1,000 | $50,000 - $99,999.99 | 1.20% | 1.21% |
| $1,000 | $100,000 - $199,999.99 | 1.75% | 1.75% |
| $1,000 | $200,000 - $499,999.99 | 2.00% | 2.02% |
| $1,000 | $500,000 - $999,999.99 | 2.75% | 2.79% |
| $1,000 | $1,000,000 - $4,999,999.99 | 3.65% | 3.71% |
| $1,000 | $5,000,000+ | 3.95% | 4.02% |
Savings Accounts
| Account | Minimum Required Opening Deposit | Interest Rate | APY |
|---|---|---|---|
| Regular Savings | $25 | 0.65% | 0.65% |
| Minor Savings | $0 | 0.65% | 0.65% |
| IRA Savings | $25 | 1.65% | 1.66% |
| HSA Savings ($0 - $19,999.99) | $25 | 1.30% | 1.31% |
| HSA Savings ($20,000+) | $25 | 1.65% | 1.66% |
