At Five Star, we saw an opportunity to partner with our growers during challenging financial times. We built a financing program with low interest rates available based on your farming inputs purchases from the cooperative. These unique solutions make doing business with Five Star easy.
Crop Input Financing is short-term credit designed for farmers to cover the upfront costs of essential crop inputs. Loans are typically repaid after harvest, once revenue from the crop is realized.
One of the ways that Five Star provides value to its members is by identifying challenges growers face and offering practical solutions. Affordable, easy-to-understand financing has been at the top of that list.
We launched RateStar Ag Input Financing, designed to fit our customers’ needs with terms due the following January 1st and opportunities to access attractive interest rates on crop inputs.
Interest rates are based on the national prime rate. We offer programs to reduce your rates, including options when you:
| 2027 Crop Input Finance Program Details | |
| Seed Partnership | Commit by 10-31-2026: 0% or 1.5% Fixed Interest Rate until 10-31-2027 *See team for 0% Seed Qualifications Commit after 10-31-2026: Prime - 3.25% Variable Interest Rate until 10-31-2027 then Prime + 2% until 1-1-2028 |
| Crop Protection | Commit by 3-15-2027: 0% Fixed Interest Rate until 10-31-2027 Commit after 3-15-2027: Prime - 3.25% Variable Interest Rate until 10-31-2027 then Prime + 2% until 1-1-2028 |
| 2027 Base Program | Prime - 3.25% Variable Interest Rate until 10-31-2027 then Prime + 2% until 1-1-2028 *Includes fertilizer, services such as soil sampling and application, seed orders committed after 10-31-2027, or crop protection committed after 3-15-2027 |
| Energy Program | Prime + 2% Variable Interest Rate until 1-1-2028 |
*Variable Interest Rates unless otherwise stated. Terms due 1/1/2028
Preserve working capital early in the season and repay after harvest, freeing funds for other critical needs.
Secure seed, fertilizer, and crop protection products when you need them, ensuring planting stays on schedule.
Purchase and apply inputs when field conditions and weather windows are optimal, reducing the risk of yield loss.
Access to high-quality inputs and proper timing can boost crop performance and financial returns.
Financing early gives you leverage to capture discounts, secure bulk pricing, and lock in favorable terms.
Take advantage of lower interest rates and pay off early without penalty to manage the value of your dollars.
Programs can be tailored to crop type, farm size, and repayment schedule, aligning with your production cycle.
Build trust and long-term partnerships with your cooperative, ensuring reliable access to products and services.
If you would like to sign up for any of the following information, please send a text to (641) 552-0896 with:
