Loans

Agriculture Loans - Look to us for your agricultural lending needs because, like you, we are farmers too. We understand the importance of family as well. We offer ag operating loans, farmground loans, and machinery loans.

Operating loans are done annually with a fixed rate. Speak to a loan officer today for up-to-date rates. If you need a draw sheet for an existing ag operating loan, click here.


We also offer farmground loans with competitive rates. Our longest term is 10 years with or without a balloon payment. We have been working actively with the Farm Service Agency and we also offer beginning farmer loans which assist farmers with 3-10 years of farming experience.


New and used machinery loans are available. Whatever your ag needs are, contact us to discuss the best option for you. We make the application process fast and easy!


Fill out a Financial Statement and a Statement of Cash Flow to get started.

Real Estate Loans - See us for your residential loans: from construction, home improvements, new garage, or purchase/refinance; we offer fast, no fee processing. We also have 15-year and 30-year mortgage terms now available with low and no down payment options to choose from! We also offer shorter term loans and balloon loans with competitive rates.


Fill out an application (primary borrower form) (additional borrower form) and contact a loan officer for more information. We will find the best home loan option to fit your needs.

NEW! Student Loans - We have partnered with College Ave Student Loans to offer private undergraduate and graduate student loans and refinancing options. To find out more information, click here.

Installment Loans - Whether you are out shopping for the car of your dreams or a pickup for the farm, don't forget we are here to help you. We offer new and used vehicle loans with up to a 5-year term. We also have unsecured loan terms up to 1 year with periodic payments or single payback options to choose from. Fill out an application or stop by the bank to speak with a loan officer.


Look up the value of a vehicle on NADA.


We can also help you with motorcycles, ATV's, boats, campers, snowmobiles, recreational vehicles, and mobile and manufactured homes. We are ready to assist you however possible.


Use our Financial Calculator to help you estimate what amount you need to borrow, the amount of your payment, and the length of the term. You will find that our interest rates are very competitive and vary with the type of loan and repayment terms. We have fast and convenient loans with flexible terms to suit your specific situation. Please contact one of our loan officers at 217-482-3246 or come in to see us.

Commercial Loans - We are also active in commercial financing; whether it is a new business or expansion of your existing business, we are here to help our local community. Whether you are an established corporation or a sole proprietor just getting started, we will make the process fast and easy. To apply, fill out the personal financial statement and talk to a loan officer today.