Lending
Agricultural Lending
At North Valley Credit Union (NVCU), we understand the unique financial needs of farmers and agricultural businesses. Whether you’re expanding your farm, upgrading equipment, or managing day-to-day operational expenses, our agriculture lending solutions provide flexible and reliable financing options tailored to your needs.
Our Consumer Lending Options
Agricultural Mortgages
-
Competitive financing to purchase or enhance farm properties.
-
Available for buying new land, refinancing an existing mortgage, or making structural improvements.
-
Flexible terms with fixed or variable interest rates.
Farm Equipment Loans
-
Finance new or used farm equipment, including tractors, combines, irrigation systems, and more.
-
Flexible repayment plans structured to align with your seasonal cash flow.
-
Competitive interest rates and loan terms tailored to your financial situation.
Farm Improvement Loans
-
Secure funding for upgrades and enhancements, including barns, silos, fencing, and irrigation systems.
-
Financing available for soil improvement, drainage, and other land development projects.
-
Structured repayment options to fit your farm’s budget.
Lines of Credit for Farm Operating Expenses
- Access to a revolving credit line to cover everyday farm operations, including seed, feed, fertilizers, and labor costs.
- Competitive interest rates with flexible repayment options.
- Optional creditor protection coverage for added financial security.
Why Choose North Valley Credit Union for Agriculture Lending?
Industry Expertise
We understand the agricultural sector and tailor our financing solutions to meet the specific needs of farmers.
Flexible Repayment Options
Choose from fixed or variable rate terms with repayment schedules aligned to your farm’s cash flow.
Personalized Service
We work closely with our members to create customized lending solutions that support long-term farm success.
Need help finding the right NVCU product for you?
Call us at (306)745-6615 or stop by the branch! Or email Gerri McEwen or Cassidy Miskiman
Get Started
What To Bring To Your Apointment
When you’re preparing for your appointment at North Valley Credit Union (NVCU) to apply for an agricultural loan, being well-prepared can help speed up the process and ensure a smooth experience. To make sure we have everything we need to review your loan application, please bring the following documents and information with you.
- One Piece of Current, Government-Issued Photo Identification
- Business Financial Statements – Most recent financial statements (minimum last 3 years), including:
- Finacial Statements
- Tax return
- Business Plan – A comprehensive plan outlining your company’s operations, growth strategy, and how the loan will be used.
- Personal Financial Statements – If applying as a sole proprietor or providing a personal guarantee, personal financial details may be required, including personal networth statement.
– Detailed list of assests and liabilities
Ready To Secure Your Next Opportunity?
Whether you need a personal loan, mortgage, business financing, or agricultural support, North Valley Credit Union is here to assist you every step of the way. Contact us today to speak with one of our lending specialists!
