Consumer’s Federal Credit Union

Financing for Your Farm, Ranch or Business Operations

Our personalized operating loans are designed to meet the specific needs of South Dakota farmers and ranchers, offering flexible repayment schedules and low interest rates to support your business’s cash flow and growth.

  • Low interest rates and flexible repayment terms
  • Personalized service from local agricultural loan experts
  • Tailored financing to meet your specific operational needs

Seasonal Operating Loans

  • Cover seasonal costs like seed, feed, fertilizer, and equipment
  • Repayment options that align with your farm’s income cycle
  • Short-term financing for fast-growing expenses
  • Fast approval to get the funds you need quickly

Ranch Operating Loans

  • Financing for livestock feed, veterinary care, and more
  • Flexible terms to help manage costs year-round
  • Customizable loan amounts based on your livestock needs
  • Quick access to funds for immediate expenses

Business Operating Loans

  • Quick, flexible financing for unexpected emergencies
  • Manage expenses like equipment failure, disaster recovery, or insurance deductibles
  • Loan options for urgent needs
  • Fast approval and immediate access to funds

Competitive Rates
to Support Your Operating Needs.

Our operating loan rates are tailored to help you maintain a strong financial position.

With flexible terms and low interest rates, we provide the financing solutions you need to grow and sustain your agricultural business, all while keeping your costs manageable.

Operating Loan Rates

Monthly Payment

Annual Payment

750+

7.50%

8.00%

749-700

8.00%

8.50%

699-650

8.50%

9.00%

649-600

10.50%

10.75%

599 & below

11.50%

12.00%

Loan Fees: $100.00/ Manager has right of say over all printed material. May need co-signer. *Annual Percentage Rate

Approved by the Board of Directors on 4-23-25.

How to Apply for an Operating Loan.

Applying for an operating loan at Consumer’s Federal Credit Union is easy and straightforward. Here’s how you can get started:

  • Complete the Application – Fill out our simple online application or visit our Gregory branch to discuss your financing needs with one of our loan officers.

  • Provide Required Documentation – Depending on the loan type, we may request documents such as financial statements, tax returns, or details of your operation. Our team will guide you through this process.

  • Get Pre-Approved – After reviewing your application and documents, we’ll provide you with pre-approval so you know how much you can borrow and what your terms will be.

  • Finalize the Loan – Once approved, we’ll finalize the loan terms, provide the funding, and get you the support you need to manage your operating costs efficiently.

  • Manage Your Loan – We offer online banking and mobile apps to help you track and manage your operating loan payments. Our team is also available to provide ongoing support throughout the life of your loan.

Get a personal consultation.

Office

301 W Hwy 18 Gregory, SD 57533

Contact

info@consumersfcu.coop

Open Hours

Monday – Friday

  • Lobby: 9:00 AM – 4:00 PM

  • Drive-Thru: 8:00 AM – 5:00 PM

Saturday

  • Lobby: Closed

  • Drive-Thru: 9:00 AM – 12:00 PM

*Closed for Federal Holidays