Farm, Ranch and Recreational Real Estate

Operating Capital, Equipment, and Livestock

Lone Star Ag Credit offers a variety of competitively priced variable and fixed interest rate programs to fit our customers' needs and objectives.

Rates change daily and are affected by many variables. We are certain to have a loan program that is right for you.

Read about how our Patronage program reduces borrowing costs for our customers.
Please contact us to discuss a Lone Star Ag Credit loan that will meet your needs.

Farm and Ranch, and Recreational Real Estate

We offer flexible loan terms to create a financing package that meets our customers' rural property financing needs. Currently we feature the following terms:


Variable Rate Terms	Fixed Rate Terms

Monthly Variable — Rate is adjusted monthly and is based off Prime or LIBOR	2- to 30-year Fixed Rates available

The above rate programs are our basic product offerings. Multiple pricing options are available.

Amortization on any of these can range from 5 to 30 years, depending on your needs and the loan purpose. We also offer interest-only construction loans that convert to fully amortized permanent financing upon the completion of construction. These loans feature a one-time closing.

Operating, Equipment and Livestock

We offer flexible loan terms to meet your needs for your specific operation. Currently we feature the following terms:


Variable Rate Terms	Fixed Rate Terms

Monthly Variable — Rate is adjusted monthly and is based off Prime or LIBOR	1 to 7 year fixed rates available

The above rate programs are our basic product offerings. Please call to discuss specific terms to meet your individual short-term needs.

Rural Homes

We offer the homeowner desiring to live in rural America long-term fixed-rate financing. Currently we feature the following terms:

Fixed Rate Terms

10- to 30-year fixed rates available

Rates change daily and are very competitive with a typical mortgage company. Call one of our offices today for the current rate.

Patronage - Lone Star Puts Money Back in Your Pocket

As an owner of Lone Star Ag Credit, borrowers purchase stock or participation certificates in the cooperative equal to 2% of their loan amount or $1,000.00, whichever is less. The board of directors elected by you, evaluates the performance and financial condition of the association at the end of each year, and may declare a distribution of a portion of net income to borrowers in the form of a patronage. In some years, the board has elected to reduce stock investment in the cooperative instead of paying a patronage.

This patronage distribution reduces the cost of borrowing money from the lending cooperative, and is just another benefit of being a member of Lone Star Ag Credit. Since 1998, the association has returned $45 million in patronage and stock distributions to its member/owners.

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