Loan Products


Operating Loans

Manage your cash flow by financing the day-to-day needs of your operation.  These loans are available as budgeted loans or revolving lines of credit with maturities of one to four years and are used for:

  • Crop production and harvest expenses 
  • Livestock and feed expenses 
  • Personal living expenses 
  • Other expenses

Intermediate Loans

You can free up your capital with intermediate term loans with maturities of up to 10 years.  These loans can be used for:

  • Business expansion 
  • Construction development 
  • Refinance of short-term debts 
  • Working capital 
  • Equipment purchases

Real Estate Loans

Purchase or improve farmland with our competitively priced agricultural loans.  Our fixed-rate, adjustable and variable rate real estate loans have options to fit your specific needs with payment schedules of up to 30 years.  The loans can be used for:

  • Real estate purchases
  • Construction loans
  • Farm improvements
  • Refinancing debt

Irrigation Stewardship Program

As a farmer-owned cooperative, we are committed to helping our customers maintain a sustainable and environmentally sound operation. Through the Irrigation Stewardship program, financing is available to help provide reliable irrigation and water supplies.

Applications are being accepted for this loan program through December 31, 2018. Contact a Farm Credit West representative today for details.

Types of Financing

  • Servicing on wells
  • Drilling a new well
  • Installing irrigation delivery systems


  • Real property secured


  • Reduced interest rates are available


  • Up to 25 years on loans
  • Up to 7 years on leases

Country Home Loans

We’re completely committed to providing a full range of products and services to meet the growing needs of the agriculture and rural communities in our territory. If you’ve been dreaming about a home in the country, turn your dreams into reality. We’ve entered into an agreement with Northwest Farm Credit Services to offer Country Home Loans, a Northwest FCS program.

Northwest Farm Credit Services’ Country Home Loans Program is specifically designed to meet the unique needs of rural property owners.

  • No acreage restrictions
  • Agricultural or residential zoned properties are eligible
  • Income-producing properties are eligible
  • Appraised value can include barns, shops, outbuildings or riding arenas
  • Custom, modular, log and manufactured homes are eligible

Types of Financing

  • Country Home Loans for dwelling, improvements and land
  • Bare Land & Lot Loans
  • All-In-One Construction Loans, combining land and construction in one loan

Northwest Farm Credit Services offers a variety of programs and interest rates to fit your needs. For more information concerning Northwest Farm Credit Services’ country home loan products contact Matt Macedo at 559.697.4943. NMLS#1729210

Email Matt

Northwest Farm Credit Services may offer country home loans in areas served by Farm Credit West, ACA with their express written consent. If made, any Country Home Loan in an area served by Farm Credit West Services, ACA will be owned and serviced by Northwest Farm Credit Services, FLCA. Northwest Farm Credit Services, FLCA is a member of the nationwide Farm Credit System. Certain conditions and restrictions may apply. All loan actions are subject to program availability.

Northwest Farm Credit Services is an Equal Housing Lender Northwest Farm Credit Services is an equal opportunity provider and employer

To apply for a loan, call the Farm Credit Services Southwest branch closest to you.  Nearly all decisions are made within a day or two, right in your local office.