Start Your Loan Application
Tools & Resources
Frequently Asked Questions

Frequently Asked Questions

Who is FCS Financial?

FCS Financial is dedicated to supporting agriculture and rural communities. Currently we serve nearly 15,000 qualified member-owners in Missouri. We provide loans, leases and related services to farmers, ranchers, rural homeowners, aquatic producers, timber harvesters, agribusinesses, and agricultural and rural utility cooperatives. FCS Financial is a member of the Farm Credit System. Established in 1916 by Congress, the System provides more than one third of the credit needed by those who live and work in rural America. With more than 100 years of agricultural lending experience, the Farm Credit System is the largest single provider of agricultural credit in the United States.

How is FCS Financial different from other lenders?

For 100 years FCS Financial has been solely dedicated to helping farmers, ranchers and rural communities. We understand the cyclical nature of agriculture and our customers know they can depend on FCS Financial’s expertise and commitment in good times and bad.

Our cooperative structure is important to customers because it means they have a say in how FCS Financial does business. Our member-owners elect the board of directors to represent them and ensure the safety of their cooperative. A portion of the earnings retained by FCS Financial are often returned in the form of patronage, to member-owners.

The Farm Credit System’s size, structure and performance have earned it the worldwide support of investors who continue to finance U.S. agriculture and rural America by purchasing Systemwide Debt Securities.

Where can I find the Candidate Questionnaire for the Board of Directors or Nominating Committee?

Become a member of the Board of Directors or Nominating Committee by completing the Candidate Questionnaire.

How is FCS Financial helping young and beginning farmers?

For generations we’ve been providing financing to farmers and ranchers. Many of our employees come from farm families. As a result, we are dedicated to helping young, beginning and small producers.

Our Connect program is a comprehensive program, designed to help young producers get started on the right foot and continue to grow & succeed.

Does FCS Financial offer services other than loans to farmers and ranchers?

We believe – and more importantly, our customers believe – that insurance and our other related services are important realities in rural and agricultural life. FCS Financial has helped farmers keep going in the face of personal and natural disasters through our insurance programs.

We are proud to offer our customers a diverse range of products and services to help ensure the health and well-being of Missouri agriculture.

What is GSE status?

A Government Sponsored Enterprise, or GSE, refers to a financial service organization created by the U.S. Congress to enhance the flow of credit to targeted sectors of the economy. The Farm Credit System was created in 1916 to provide a stable and reliable source of debt capital for the nation’s agriculture system and rural America. Congress initially provided $125 million in seed money for the Farm Credit System but that investment was repaid in 1947, and the System currently operates without any financial support from the federal government. FCS Financial is a member of the Farm Credit System.

As a GSE, the System is regulated by the Farm Credit Administration, an independent federal agency. Members of Farm Credit Administration’s Board of Directors are appointed by the President of United States with the advice and consent of the U.S. Senate.

Having GSE status helps the Farm Credit System ensure that rural America has steady access to competitively priced funds that are necessary to finance growth and maintain the quality of life in rural communities and on the farm.

Why should farmers and ranchers rely on FCS Financial?

Five reasons: FCS Financial is member-owned, reliable, competitive, knowledgeable, and passionate.

  • Member-owned means that we are focused on and responsive to the needs of those we serve.
  • Reliable means we’re there when our customers need us.
  • Competitive means that farmers have a choice in meeting their financial needs.
  • Knowledgeable means that producers and rural businesses can depend on us to understand their operation and to provide expert services tailored to meet their particular needs.
  • Passionate means FCS Financial people are dedicated and care deeply about improving the quality of life in rural Missouri and on the farm. That’s why we exist and it’s why FCS Financial employees come to work every day!

Who is eligible for FCS Financial financing?

We provide a full range of products and services for farmers, ag-related businesses and those people who simply want to live in rural areas. Our service area includes 102 Missouri counties.

I live outside of Missouri but am looking for property in Missouri, can FCS Financial help me?

Most definitely! FCS Financial serves Missouri residents as well as those who want to purchase Missouri property. Make sure the Missouri property you wish to purchase is located in one of our eligible counties.

How do I find an office in my area?

Visit our Locations map to find directions and contact information to the nearest FCS Financial office.

I want to purchase property for hunting, can FCS Financial help me?

Yes, our recreational property loans are developed for this exact situation. Contact an FCS Financial lending specialist to discuss terms and details.

Can I apply for a loan online?

All loans (real estate, equipment, etc)  should begin with a loan inquiry. After completing the loan inquiry, a member of our team will be in contact with you regarding your loan needs.

Can I make my payment online?

Yes! Enroll to access your account online and you will be able to make payments as well as transfer funds from your FCS Financial operating loan.