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Success in farming and ranching across the Midwest’s vast agricultural heartland depends on trusted financial partners who understand the unique challenges of rural businesses. Farm Credit Services of America (FCSAmerica) exemplifies this commitment, offering more than just financial products—a collaborative partnership rooted in shared values and mutual success.
Headquartered in Omaha, Nebraska, FCSAmerica operates as a customer-owned cooperative serving Iowa, Nebraska, South Dakota, and Wyoming. The cooperative’s mission is deeply rooted in agriculture, offering credit and financial services tailored to meet the evolving needs of farmers, ranchers, and agribusinesses. Unlike conventional lenders, FCSAmerica returns its earnings to the very customers it serves, fostering a unique model of shared ownership and mutual benefit.
FCSAmerica is not a traditional bank; it exists solely to serve those who grow the nation's food, fiber, and fuel. Consequently, it provides them with strategic tools and a deep bench of expertise— key ingredients in helping rural America flourish.
A Cooperative Framework Delivering Tangible Benefits
FCSAmerica's distinctive cooperative model, where customers are also stakeholders, is central to its success. This structure ensures alignment between the organization’s financial performance and the interests of its members, cultivating a partnership based on trust and shared objectives. One of the clearest manifestations of this model is the cooperative’s cash-back dividend program, which returned approximately 392.6 million dollars to customer-owners in 2024 alone. This dividend effectively reduces borrowing costs, reinforcing the financial advantages of membership.
FCSAmerica offers a broad range of financial products designed with the agricultural community in mind. From operating loans and land acquisition financing to equipment leases and facility construction loans, the cooperative provides flexible, competitively priced options that accommodate the diverse needs of its clientele. Customers also benefit from crop insurance solutions and risk management tools, all consolidated within a single institution dedicated exclusively to agriculture.
Personalized service remains a hallmark of FCSAmerica. Local offices staffed by financial professionals in its communities offer clients an intimate understanding of regional challenges and opportunities, fostering enduring relationships grounded in knowledge and trust.
Empowerment through Expertise and Innovation
Recognizing the increasingly complex economic environment faced by agricultural producers, FCSAmerica equips its members with advanced tools and expert guidance to facilitate sound decision-making. The AgriPoint® platform and a user-friendly mobile application grant customers real-time access to account management, financial analysis, and market information, resources essential to navigating today’s dynamic agricultural landscape.
In addition, FCSAmerica’s team of economists, commodity specialists, and business advisors provides personalized support tailored to individual operations. This depth of expertise proves invaluable, particularly for young farmers, who receive targeted education, mentoring, and specialized lending programs designed to foster sustainable growth.
As of December 2023, FCSAmerica served over 21,000 young, beginning, and small-scale producers with financing totaling $6.6 billion, highlighting its commitment to cultivating the next generation of agricultural leaders. The cooperative’s dedication also extends into rural communities through initiatives focused on agricultural education, nutrition, disaster relief, and essential services. By investing in community well-being and resilience, FCSAmerica reinforces the foundations upon which rural economies thrive.
FCSAmerica exemplifies a holistic approach to agricultural finance, combining cooperative principles, customized financial solutions, and expert support to empower producers at every stage. In an industry defined by unpredictability, the cooperative offers a reliable and insightful partner dedicated to advancing the prosperity of rural America.
Headquartered in Omaha, Nebraska, FCSAmerica operates as a customer-owned cooperative serving Iowa, Nebraska, South Dakota, and Wyoming. The cooperative’s mission is deeply rooted in agriculture, offering credit and financial services tailored to meet the evolving needs of farmers, ranchers, and agribusinesses. Unlike conventional lenders, FCSAmerica returns its earnings to the very customers it serves, fostering a unique model of shared ownership and mutual benefit.
FCSAmerica is not a traditional bank; it exists solely to serve those who grow the nation's food, fiber, and fuel. Consequently, it provides them with strategic tools and a deep bench of expertise— key ingredients in helping rural America flourish.A Cooperative Framework Delivering Tangible Benefits
FCSAmerica's distinctive cooperative model, where customers are also stakeholders, is central to its success. This structure ensures alignment between the organization’s financial performance and the interests of its members, cultivating a partnership based on trust and shared objectives. One of the clearest manifestations of this model is the cooperative’s cash-back dividend program, which returned approximately 392.6 million dollars to customer-owners in 2024 alone. This dividend effectively reduces borrowing costs, reinforcing the financial advantages of membership.
FCSAmerica offers a broad range of financial products designed with the agricultural community in mind. From operating loans and land acquisition financing to equipment leases and facility construction loans, the cooperative provides flexible, competitively priced options that accommodate the diverse needs of its clientele. Customers also benefit from crop insurance solutions and risk management tools, all consolidated within a single institution dedicated exclusively to agriculture.
Personalized service remains a hallmark of FCSAmerica. Local offices staffed by financial professionals in its communities offer clients an intimate understanding of regional challenges and opportunities, fostering enduring relationships grounded in knowledge and trust.
Empowerment through Expertise and Innovation
Recognizing the increasingly complex economic environment faced by agricultural producers, FCSAmerica equips its members with advanced tools and expert guidance to facilitate sound decision-making. The AgriPoint® platform and a user-friendly mobile application grant customers real-time access to account management, financial analysis, and market information, resources essential to navigating today’s dynamic agricultural landscape.
In addition, FCSAmerica’s team of economists, commodity specialists, and business advisors provides personalized support tailored to individual operations. This depth of expertise proves invaluable, particularly for young farmers, who receive targeted education, mentoring, and specialized lending programs designed to foster sustainable growth.
As of December 2023, FCSAmerica served over 21,000 young, beginning, and small-scale producers with financing totaling $6.6 billion, highlighting its commitment to cultivating the next generation of agricultural leaders. The cooperative’s dedication also extends into rural communities through initiatives focused on agricultural education, nutrition, disaster relief, and essential services. By investing in community well-being and resilience, FCSAmerica reinforces the foundations upon which rural economies thrive.
FCSAmerica exemplifies a holistic approach to agricultural finance, combining cooperative principles, customized financial solutions, and expert support to empower producers at every stage. In an industry defined by unpredictability, the cooperative offers a reliable and insightful partner dedicated to advancing the prosperity of rural America.
Company
Farm Credit Services of America
Management
Mark Jensen, President and CEO
Description
Farm Credit Services of America provides financial services, including loans, leases, and insurance, tailored to farmers and ranchers across the Midwest. As a customer-owned cooperative, it offers ag-specific expertise, digital tools, and annual cash-back dividends.
