Online Banking Quick Access to Menu Home Business Ag/Agribusiness Loans Ag/Agribusiness Loans We offer a number of lending solutions for agriculture and farming At First Citizens Bank, we are proud to offer competitive rates on a variety of agricultural loans to fit your unique needs. Our lenders are comprised of farmers with many years of experience - even our support staff has farming experience - providing us with a true understanding of the importance of farmers in our community. Unlike many big banks, we don’t use outside firms. All of our credit decisions are made within our organization, allowing us to have the lending capacity to finance most farm operations and keep many larger loans in-house. Want to contact an ag lender? Contact One Nearest You Whether you’re a farmer or other agribusiness, you’ll find a helping hand at First Citizens Bank: Operating Loans Crop and Livestock Production Loans Letters of Credit Lines of Credit Working Capital Loans Machinery and Equipment Loans Real Estate Loans Beginning Farmer Real Estate Loans Farm Service Agency (FSA) Guaranteed Loans Iowa Ag Development Authority (IASA) Loans Minnesota Department of Agriculture/Rural Finance Authority Loans Irrevocable Letter of Credit Farmer Mac Ag Real Estate Loans And more . . . Ag loans from First Citizens Bank are available in 15 counties of Northern Iowa, from Webster City to Greene and Fayette, and north to the Minnesota border, as well as in Mora, Minnesota and surrounding areas. Just getting started? At First Citizens Bank, we offer flexible financing with our access to the Beginning Farmer Tax Credit program which we are able to pass to newer farmers in the form of a lower rate. We are full-service and all operations stay within our bank, providing you with a truly personalized financial experience. Call or stop by your nearest First Citizens Bank office to discuss your specific needs with an agricultural lender. With all of our ag loans, collateral is required, typically equivalent to what the loan is for and dependent on the repayment capacity and balance sheet of the loan applicant. Additional collateral depends on loan size. We do accept farm real estate as collateral and the amount of equity in the land required is scenario specific. The term of the loan will also be dependent upon the type of loan requested. Approval based on underwriting standards. First at Service At First Citizens Bank, you can take care of all your financial needs under one roof. From deposit accounts and loans of all types, to mobile banking and financial planning, we’re THE comprehensive provider in our communities. Get in touch with us to see how we can serve you! Contact Us Top Visited Pages Online Banking Home Loans Career Opportunities Digital Banking Contact Us About Us Savings Rates Routing #: 073901602 © 2021 First Citizens Bank. All rights reserved. Privacy Policy | Sitemap | Terms of Use | USA PATRIOT Act | Careers | Financial Calculators | Consumer Info | Charitable Foundation | Web Accessibility Guidelines Custom financial web solutions by VGM Forbin. Aa Aa Aa Contact Us