Ag loans
Operating lines, equipment and farm real estate, arranged by people who know what a wet spring does to a repayment schedule.
Business and ag banking · Freeborn County, Minnesota
Banking for the businesses on our streets.
Shops, contractors, clinics and farms. Your account is run a few minutes down the road, not from a regional office.
When you ask us for credit, the people weighing it own this bank. They are not forwarding your file to a committee in another state, because there is no committee in another state.
That means you get an answer from someone who can give one, and you get it from someone who knows what your street looks like in February.
Running the money side
Accounts and treasury.
| Business checking | Operating accounts sized to how much you actually transact. |
|---|---|
| Business savings | Somewhere to hold reserves and earn on them. |
| Certificates of Deposit | Fixed term deposits for cash you will not need this quarter. |
| Cash management | Balance reporting, transfers and controls for a business with more than one account. |
|---|---|
| Remote deposit capture | Scan and deposit checks from your own office instead of driving them over. |
| Commercial online banking | A separate commercial login, with the permissions a team needs. |
We lend against ground we have driven past.
Operating notes, equipment and farm real estate across Freeborn County. Ag is a full line of business here, not a favor.
Detasseling near New Ulm, Minnesota · National Archives
Credit
Borrowing against a season.
A farm year and a retail year do not look the same, and neither should the note that finances them. We write both.
Business loans
Premises, equipment and expansion for businesses in the three towns we serve.
Security PLUS line of credit
For when timing is the problem rather than the amount. Draw it down, pay it back, leave it open.
Effective 6‑23‑2026
Business rates.
| Term | Minimum | Yield |
|---|---|---|
| 10 months | $1,000 | 3.61% APY |
| 19 months | $1,000 | 3.71% APY |
Commercial and ag credit is priced to the borrower, the collateral and the term, so there is no useful table to publish. Call the branch nearest you and we will quote it properly.
The small print, in normal size
APY means annual percentage yield. APR means annual percentage rate. Yields shown are effective as of 6‑23‑2026 and can change.
A minimum deposit of $1,000 is required to earn the stated yield. The maximum certificate amount is $250,000.
Withdrawing from a certificate before its term ends may bring a penalty, and a penalty would reduce your earnings. Fees could also reduce earnings.
Member FDIC. Equal Housing Lender.
Decisions made here
Ask us for a number.
Bring what you have and we will tell you where you stand. If the answer is no, you will get it quickly and you will get a reason.