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Farm Cash Management®

Get more out of your money with an investment account from Farm Credit Mid-America.

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It’s your money – get more out of it with a Farm Cash Management® account.

Why Farm Credit Mid-America

  • Competitive interest rate - Earn a competitive interest rate on your funds. Plus, interest earned is exempt from state and local income tax.
  • Any time access - Access your Farm Cash Management account anytime—there are no limits on transactions and your investment remains liquid.
  • Convenience & security - Harness the convenience and security of automatic fund management with detailed monthly transaction statements to make your life easier.

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Operating Loans

Operating Loans

Connect your Farm Cash Management® account to your operating loan* and reduce borrowing costs by leveraging investment earnings to limit your line of credit draws.

Get More with Our Operating Lines of Credit

Auto Renewal

Some operating lines are available for automatic renewal¶¶ as long as our credit standards are met.

No Renewal Fees

Renewals that go through the auto renewal process¶¶ may not be subject to fees.

Competitive Rate Options

With a variety of rate options available, including fixed, adjustable and others, we have the flexibility to find the right operating loan for your operation’s needs.

Convenient Access

Accessing your funds should be easy. That’s why we offer multiple ways for you to access your operating funds, including through a checkbook, cash back‡‡ disbursement card§§ or wire transfer.

Online Banking

Easily access your account to automate transfers from your operating line of credit through our online banking platform. With the ability to integrate with popular programs like Quicken® and Quickbooks®, you can manage your operating funds safely and securely.

¶ This is not an offer for the sale of Farm Cash Management® (FCM®) investment accounts or AgriBank Money Market investments. Such investments are not insured by or a direct obligation of the United States government. FCM investments can only be purchased directly from AgriBank, FCB. Carefully review the disclosure information provided to all prospective purchasers prior to purchasing. Farm Credit associations are not authorized to represent AgriBank regarding such investment accounts. You should not rely on any statement or opinion of our associations or personnel in deciding upon the safety and soundness of FCM accounts or their suitability for your particular situation. Certain terms and conditions apply to FCM accounts.

* Loans and leases are subject to credit approval. Additional terms and conditions may apply. Farm Credit Mid-America is an equal opportunity lender.

¶¶ Not all loans are eligible for automatic renewal. Renewals that do not go through the automatic renewal process may be subject to certain fees. Automatic renewals are subject to credit approval. Other factors like eligibility and scope may apply.  

‡‡ Cash back is made in the form of a credit to your operating line every October. In the event your line has been paid in full, payment will be made via check. Additional terms and conditions may apply. 

§§ Disbursement card is for use with an operating loan. Operating loans are subject to credit approval. Additional terms and conditions may apply. For more information, please contact us at 800-444-FARM. Farm Credit Mid-America is an equal opportunity lender.

† Patronage is an annual decision made by the Board of Directors to return earnings to eligible customers. To learn more about patronage or patronage eligibility, please visit our Patronage page.

Farm Credit Mid-America territory includes Arkansas, Indiana, Kentucky, Missouri, Ohio and Tennessee. Arkansas includes Clay, Craighead, Crittenden, Cross, Desha (northeast of the White River), Greene, Lee, Mississippi, Phillips, Poinsett, and St. Francis counties. Missouri includes Carter, Ripley and Wayne counties. Kentucky excludes Ballard, Calloway, Carlisle, Fulton, Graves, Hickman, Marshall and McCracken counties. Ohio excludes Crawford, Hancock, Lucas, Marion, Ottawa, Sandusky, Seneca, Wood and Wyandot counties. We serve all counties in Indiana and Tennessee. 

You May Be Interested In

Operating Loans

Lines of credit that pay you back*.

Disbursement Card

Earn 1.5% cash back‡‡ for things you're already purchasing with your line of credit§§.

Online Banking

Access and manage your loans intuitively.


More than $1.25 billion back in our customers' hands over the last 8 years.