Farm Credit Midsouth

Farm Credit Midsouth is to agribusiness what water is to your crops. Water is a necessary, valued resource to a farmer. Your financial resources should be just as reliable. Just as your yields are maximized by an efficient irrigation system, your business will thrive with sound, organized financial services. And nowadays, you need more than just a lender.

By our name alone you might assume that Farm Credit Midsouth offers a variety of loan and lease products - and we do. But, we're a good deal more than loans. We specialize in total agricultural financial management.

We understand the unique financial needs of an agri-business. We can cover your farm and your family with one of the most comprehensive insurance policies available, held by an experienced, financially sound carrier. Through our alliances, we can assist you with our financial concerns as well, putting you in touch with trusted financial advisors, agri-real estate management professionals, and sales and consulting services. You may even be eligible for Farm Credit Midsouth low-interest credit card.

Read on to learn more about Farm Credit Midsouth, who we are, what we do, and why you should give us a call.

Loan/Service	Description	Advantage
Home Mortgage Loans	Home buying, Building, Remodeling, Refinancing	Adjustable and fixed rates Single loan for home and acreage Interest-earning Funds Held option No balloon payments Optional automatic payment transfer
Installment Loans	Farm equipment and machinery Breading livestock Irrigation systems Vehicles	Fixed, adjustable or variable rates Terms up to 10-years No Prepayment penalties Interest rate conversion option Interest-earning Funds Held option
Agriculture/ Real Estate Loans	Land Land improvements Buildings and Facilities	Fixed, adjustable or variable rates 5 to 30-year terms Interest rate conversion option interest-earning Fund Held option
Leasing Services	New and used equipment New and Used vehicles Irrigation systems Facilities	Tax deductions Renewal, purchasing options Customers can choose their dealer and negotiate price
Credit Line / Operating Loans	Operating purchases Revolving lines of credit Poultry Feeder Livestock	Pre-approved line of credit Checkbook convenience Immediate buying power Access to funds 24 hours a day Interest charged only on funds spent
Real Estate Appraisals	Top quality real estate appraisals performed by certified appraisers

If you have a question or would like more information,
please contact us via e-mail or call 1-800-444-FARM.

Farm Cash Management (FCM) is a convenient way to earn significant income from cash-on-hand. It combines the high return of a short-term investment account with the convenience of your Farm Credit Midsouth revolving line-of-credit. Farms and other qualifying businesses that experience periods when cash accumulates should find FCM beneficial. Self-funding operations that maintain an open line of credit just for emergencies or special opportunities may also find FCM valuable.

Investing in an FCM account is as simple as making a payment on a loan. In fact, you have the same choice of methods: in person, by mail, or electronic. Whenever a payment is greater than the balance in your revolving line-of-credit, FCM automatically invests your surplus in short-term, AgriBank Investment Bonds. Interest accrues on these bonds daily and is added to your investment at month’s end. You have access to your money at all times and can draw on your investment account the same way you would draw on your line-of-credit -- just complete a draft or transfer funds electronically. If you draw out more funds than your investment and earnings total, FCM will automatically access your line-of-credit. This means you’ll delay incurring any interest expense until after all your invested funds and earnings have been used!

AgriBank, FCB, is a financial institution that provides various services to Farm Credit Midsouth plus the funds needed to make loans. In the same way that member-borrowers cooperatively own Farm Credit Midsouth, AgriBank is owned by Farm Credit Midsouth and the other associations AgriBank serves.

AgriBank Investment Bonds are backed solely by AgriBank, FCB. They are not insured or guaranteed by any government body or the Farm Credit System. For information on AgriBank, FCB, its assets and financial condition, that describes the 7^THdistrict and provides .PDF files of financial reports click "here".

AgriBank Investment Bonds pay very attractive rates and the earnings are not subject to state or local income taxes. Rates vary with changing economic conditions.

Agricultural Financing