Posted by donjr on March 23, 2015 at 11:38:30 from (71.246.65.243):
In Reply to: Re: JD Seller posted by JD Seller on March 22, 2015 at 17:07:07:
Farm Credit isn't a credit union, but does operate sometimes like one. FCA first financed a haybine for me back when my bank said they were no longer taking machinery as collateral, after I had dealt with them since I was a kid. Then I went to FSA and they said I made too much to finance through them because I was working for the phone company at the time. Then I went to FCA, and it took a couple of weeks to get an approval- long enough that the dealer called asking me when he would get a check. When they financed my farm a few years later, they were all encouragement and have worked with me through thick and thin to build this place, from three barns to machinery and livestock- things no normal bank would even look at, primarily because of the debt ratio. I have been with them for forty years now, and because of them I own everything here. Now that I am paid off, the money that went into the bank now gives us a nice dividend check every year. Borrowers become stockholder members, and a part of the association, so it actually seems to help after you've been in just a couple of years. I still use the association for some projects, and the money is still very competitive with bank rates. The best part, is that both of the banks I have been dealing with have been bought up by larger banks- one of them four times, now. Every time I go in, it seems there is a new face. At FCA, I have been through three or four load officers, and a slew of staff over the years, but most of the people are still there, and still friends, just in a higher position. It's still like dealing with someone I know....
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