Consumer’s Federal Credit Union

Financing for Farmers and Ranchers in South Dakota

With low interest rates, flexible terms, and personalized service, we’re dedicated to helping you grow and sustain your agricultural business.

  • Competitive rates and flexible terms
  • Quick and easy application process
  • Personalized service from local lending experts
  • Tailored solutions to meet your specific farming or ranching needs
  • No hidden fees or surprises

Livestock Purchase Loans

  • Loans for purchasing new or replacement livestock
  • Financing for cattle, sheep, goats, poultry, and more
  • Flexible terms and rates that match your operation’s needs
  • Fast approval for quick purchases

Livestock Working Capital Loans

  • Financing for ongoing operating expenses
  • Manage feed, veterinary care, and operational costs
  • Flexible repayment terms to match your cash flow
  • Quick, easy access to funds when you need them

Breeding Stock Loans

  • Loans for purchasing breeding stock
  • Financing for bulls, cows, and other breeding animals
  • Flexible terms and low rates
  • Invest in genetics to improve your herd’s quality

Livestock Loan Refinancing

  • Lower interest rates and reduced monthly payments
  • Refinance for better loan terms
  • Extend or shorten your repayment period
  • Save money on interest over the life of the loan

Competitive Livestock Loan Rates in South Dakota.

Take advantage of low, fixed interest rates and flexible terms for your livestock financing.

Whether you’re purchasing new livestock, refinancing, or expanding your herd, Consumer’s Federal Credit Union offers affordable rates that help you manage costs and grow your business with confidence.

Livestock Rates

3 years or less

4 years or more

750+

7.00%

7.25%

749-700

7.50%

7.75%

699-650

8.25%

9.00%

649-600

10.00%

10.75%

599 & below

11.00%

11.50%

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 a Livestock Loan.

Applying for a livestock loan at Consumer’s Federal Credit Union is easy and efficient. Here’s how you can get started:

  • Complete the Application – Start by completing our online application or visiting our Gregory branch to discuss your financing needs. We’ll gather basic information about your operation and livestock requirements.
  • Provide Documentation – You may need to provide some documentation about your operation, such as tax returns, financial statements, or livestock inventory. Our team will help you through this step.
  • Get Pre-Approved – Once we’ve reviewed your application and documentation, we’ll provide you with a pre-approval decision, letting you know how much you can borrow and what your terms will be.
  • Finalize the Loan – After pre-approval, we’ll work with you to finalize the loan terms, provide the funds, and ensure the process is as seamless as possible. You’ll be ready to put the funds to use immediately.

  • Manage Your Loan – Once your livestock loan is in place, our team will continue to support you throughout the loan term. You’ll have access to online banking and mobile tools to manage your payments, and our loan officers are always available to answer any questions you have.

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