The Farm Cash Management program can combine the ready availability of a revolving line-of-credit with the high return of an AgriBank Money Market Investment account. Or, you can set up a AgriBank Money Market Investment account which is not tied to your loan. The program saves you money by putting your funds to work where they generate the best return for you.

Farm Cash Management helps you minimize your net interest costs. When you have cash available, funds are invested in a Money Market account comprised of AgriBank Investment Bonds. These bonds pay interest at rates higher than typical commercial bank accounts. In addition, interest earned on an AgriBank Money Market Investment is exempt from state and local income tax.

Your cash is available whenever you need it. When you need cash for operating, living, or other expenses, the AgriBank Money Market Investment account funds are used first, minimizing interest cost for you.

• Earn competitive rates on your excess funds.
• Earn interest or avoid interest expense until funds actually leave your FCM account.
• Earn more interest by converting your non-interest bearing accounts.
• Eliminate manually transferring funds between your loan and other accounts.
• Earnings are exempt from state and local taxes.
• Access funds anytime by draft, phone or internet.
• Liquidity - you don't have to lock in a 3 or 6 month CD to get a return.
• No fees or penalties

Using a Farm Cash Management account is simple as making a loan payment or writing a draft on your FCS operating loan. However, you do not have to have a revolving line of credit to use FCM. You can do business in person, by mail, phone or even on the Internet. Every month you'll receive separate statements detailing your loan and investment activity.