Supporting Agriculture and Rural Communities

Products

United FCS provides many products and services including:
Services- Tax & Accounting, Succession, Retirement, & Estate Planning, Young, Beginning & Small Farmer Program
Loans - Real Estate Loans, Home Loans, Machinery Loans, and Operating Loans, & Leases
Insurance - Multi-Peril Crop, Crop Hail, Life & Disability, Livestock Risk Protection
Click on a category below to find out more about each product.

Services Loans Insurance

Services

Farm Cash Management

The Newest Way to Maximize Your Agricultural Income!
Farm Cash Management (FCM) is a convenient way to earn significant income from cash-on-hand. It combines the high return of a short-term investment account with the convenience of your FCS revolving line-of-credit.

Tax and Accounting Services

Sound tax decisions are critical to your long-term success. The tax specialists at United FCS can help you achieve your personal and financial goals with year-round tax planning and preparation and they will help you make better decisions and gain greater control over your tax-related expenses.

Succession Retirement and Estate Planning

Many of today's agricultural producers are often too busy managing their daily farm operations to really pay attention to the risk factors facing them at retirement. One result is that few producers are adequately preparing for their retirement or for transferring assets to the next generation.

Real Estate Loans

Long-term mortgage loans provide a stable source of capital for financing rural real estate assets - farmland or facility purchases and construction of new facilities.

Home Loans

Welcome home to a mortgage lender you already know and trust!
United FCS is a full service mortgage lender, offering conventional and secondary market home loans for purchase, new construction, refinance, and vacant land.

Machinery Loans

Intermediate-term loans are available to farmers to cover the purchase of new or used equipment and machinery. Loan terms and repayment schedules are flexible to match the loan purpose and income cycle of the borrower.

Operating Loans

Looking for a short-term loan to finance your daily business operations? United FCS has two types of operating loans available to customers.

Leases

Depending on your needs, goals, and situation, a lease may be a better alternative than a traditional loan. A lease allows you to acquire the equipment you need without tying up your capital.

Young and Beginning Farmers

Age 35 or less? Farming for less than 10 years? If you fit either or both of these characteristics, you may qualify for special consideration under our Young and Beginning Farmer Program. To fulfill our vision and as a part of our mission, United FCS is committed to serving the needs of young and beginning farmers in our service area.

Multi-Peril Crop Insurance

Multi-Peril Crop Insurance (MPCI) protects your crop investment and provides funds to replace lost income when crop yields do not attain a specific level due to many different perils. MPCI coverage is available at a number of different levels, allowing you to tailor the policy to fit your needs.

Crop Hail Insurance

No one knows what the weather holds in store, but having insurance certainly helps to manage the risks that producers face everyday.

Life and Disability Insurance

Group Term Life and Group Term Life & Disability Insurance provide an initial amount of life insurance. This coverage protects your family and farm business from the financial burden of your loan in the event of premature death or disability. Premiums can be locked in for 5, 10, 15, 20 or 30 years.

Livestock Risk Protection

Livestock Risk Protection (LRP), is an insurance product designed to insure against declining market prices, protecting producers from a drop in the market for the period selected. It is managed by the Risk Management Agency and the premiums are subsidized by the Federal government. LRP is available for swine, feeder and fed cattle in a number of states, including Minnesota, South Dakota and Wisconsin.