Fixed-Rate, Long-Term Financing for Farmers

CS Bank offers agricultural real estate loans through the Farmer Mac (FMAC) program, delivering long-term, fixed-rate financing that’s competitive, reliable, and free from prepayment penalties. These loans are ideal for farmers and ranchers looking for stable, cost-effective funding for their operations. 

What is a Farmer Mac Loan?

Farmer Mac is the nation’s premier secondary market for agricultural credit, expanding access to affordable financing for rural communities. Through its support, local lenders like CS Bank can offer solutions with favorable terms that help you grow your operation.













old farmer going to tractor to begin working

What You Can Finance with FMAC Loans

Farmer Mac financing supports a wide range of agricultural real estate needs, including:

  • Long-term farm and ranch purchases

  • Agricultural mortgages

  • Land acquisitions and expansions

  • Property refinancing and more







Farmer looking in awe at land and herd of cattle

Why Choose CS Bank for FMAC Loans?

  • Fixed-Rate Stability
    Protect your budget from interest rate fluctuations with consistent long-term rates.

  • No Prepayment Penalties
    Enjoy the flexibility to repay your loan early without extra costs.

  • Access to Competitive Rates
    Farmer Mac’s backing allows CS Bank to extend financing terms that support your long-term growth.

  • Local Service, National Strength
    You benefit from CS Bank’s regional expertise paired with Farmer Mac’s innovative lending model.

farmer on a tractor in the fields

Ready to Explore Farmer Mac Financing?

Whether you're a small-scale operation or managing a large enterprise, CS Bank is here to help you identify the right-sized financing solution. Connect with one of our Ag Loan Officers online by filling out the form below or visit any of our branches in Harrison, Huntsville, Holiday Island, Eureka Springs, Berryville (AR), or Cassville (MO) to learn more.

Mother with baby out on the farm