Experienced Ag lending team
Heartland Credit Union is home to a knowledgeable Ag lending team who knows the needs of the Wisconsin farming community and can help you through the loan process.
Farm Service Agency (FSA) Guaranteed Loans
We work with FSA and provide loans built for farmers and the unique funding needs they may have. You can apply for Personal Property G-OL, Real Estate G-FO, or Operating G-LOC loans with us.
Loans serviced by Heartland
Since we service agriculture loans, you can manage and make payments on your loan directly through digital banking rather than working with an outside provider.
Manage in digital banking
Manage your farm loans with digital banking just like you use for any other personal loans, savings accounts and certificates, or checking accounts at Heartland.
Multiple repayment options
We offer a variety of terms that allow you flexibility in repayment options that best fit your budget and financial timeline.
Low down payment
We try to make buying farm property more accessible by providing low down payment options on our agricultural real estate loans when combined with FSA-guaranteed loan programs.
We offer loans with competitive rates for those who are trying to buy, refinance, or renovate property for your farm.
Farm personal property
When you need more funds to buy equipment and machines, livestock, and other required materials for your farm, we provide loan options to help you complete these purchases.
Operating lines of credit
We not only provide loans, but we offer the option to apply for an operating line of credit so you can have easier access to funds to pay for operating expenses on your farm.
Borrow what you need
Unlike other types of business loans, you could qualify for larger funds to help support and sustain your farm.
Preserving Rural America
We can help you plan for the future by helping you build an estate plan to plan who will receive your farming assets and property when you no longer are here.
Low interest rates
We provide lower interest rates for agricultural loans when compared to other types of business loans, making the loan more affordable.
Longer repayment terms
A longer term means you could enjoy lower monthly payments on your loan, making the loan affordable and less stressful.