Agricultural Loans

Operating Loans and Lines of Credit

Good money managers can save interest dollars by utilizing First Financial Bank’s Revolving Line of Credit. You only pay interest only on the amounts outstanding.

Machinery and Equipment Loans

We offer both fixed and variable rate equipment loans with repayment terms to match your needs.

Livestock

We have loan officers that understand livestock operations including hog and dairy operations, and cattle feeding operations. Repayment terms are tailored to the type of operation.

Real Estate and Improvements

We have always been very active in financing real estate purchases and improvements to real estate. Interest rates are typically adjustable every 3 to 5 years but unlike most area lenders we will provide interest rate adjustment caps as well as lifetime caps.

Illinois Finance Authority

We are very active with IFA’s Beginning Farmer Bond Program which allows a below market interest rate on farm real estate purchases.

We are also active in the IFA Participation Loan Program. This program also allows an interest rate reduction on certain types of real estate and real estate improvement loans. The program is excellent for livestock building loans.