2026 Financing Programs Now Available

“Hard to believe that harvest is around the corner and we are planning for the 2026 crop year,” said Kelly Meyer, Federated’s business service specialist. For 2026, once again Federated offers crop input financing through a variety of good sources.
 
CFA (Cooperative Finance Association) is the co-op’s primary partner; this relationship has grown “year after year, with our aggressive interest rates” for both current and new patrons.

“We understand the input dollar needs and cash flow [demands] that go into making your operation successful,” Meyer said.
 
The co-op typically buys down interest rates, making an investment in our growers. This year’s CFA offering includes two different types of programs:
 

1. Base Rate Program - 6.75% Fixed Interest Rate until 8/1/26 and changes to Prime + 1% variable until loan maturity on 3/15/27.
2. Power of One Program - 5 % fixed interest rate until 8/1/26 and changes to Prime + 1% variable until loan maturity on 3/15/27.

• This program is available to growers who purchase 100% of their needs at Federated Co-ops: propane/fuel, fertilizer, seed, crop protection, lime and custom application. 

Meyer stated the simple reason for these two programs: “We want to earn all your business at the co-op!” And, “this aggressive interest rate is going to help [you] as input costs are high and commodity prices are low.”
The benefits of these two CFA financing programs include:

• An up to $1 million credit line with a quick and easy one page application; depending on how the application is scored, it will be approved within 24 hours.
• Locked in input costs.
• Improved security of product supply.
• Non-revolving line of credit .
• No penalty for early payment.
• Loan fee of $200.

Meyer noted additional options for Federated growers:

• CFA loans can be used for fall fertilizer. Due date: 3/15/27.
• Growers who already have CFA qualify through Evergreen Renewal.
  • “Depending on how your score on your loan (small business score and FICO score), your loan is booked and funds are available immediately,” said Meyer.
• Federated also offers financing through John Deere Financial and Rabo AgriFinance. See links for more info: Brevant, Dekalb-Asgrow, Legend, NK-Rabo, Renk.

Direct your financing questions to Meyer, and talk to your Federated Agronomist for related agronomy questions.