Local Lending

Agriculture Loans

Grow your operation with flexible financing and local decisions made by people who understand farming. Whether you’re buying land, upgrading equipment, or planning your next season, we’re here to help you move forward with confidence.
Apply for a Loan
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our values

Why Choose BoB

At Bank of Brodhead, we believe banking should feel personal, honest, and local. Every decision, every relationship, and every investment starts right here in our community.
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24 hour access

Manage your accounts anytime, anywhere, with secure online and mobile banking.
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We're Local

We do business locally, employ local people, and our shareholders are part of this community. We invest where we live and give back to the towns we serve.
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Competitive Rates

Enjoy fair, transparent rates designed to help you reach your goals without surprises.
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Trustworthy & Honest

We do what we say—and we always do what’s right on behalf of our customers.
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Top-Notch Customer Service

We meet you where you are, on your schedule. Real people. Real help.
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We’re Personal

You’re never just a number to us. We remember your name, your story, and your goals—because we’re in the people business.
loans

Explore Your Loan Options

Find the right financing to help your operation grow. From land and equipment to livestock and seasonal needs, our local ag lenders offer flexible options and honest guidance rooted in farming experience.
Everyday Flexibility

Operating Lines of Credit

Keep your farm running smoothly through every season. An operating line of credit gives you the flexibility to cover input costs, manage cash flow, and take advantage of opportunities as they arise.

Seasonal Flexibility

Cover expenses like seed, feed, and fertilizer when costs are high and revenue is still months away.

Local Lending Decisions

Work directly with people who know farming and can respond quickly when timing matters most.
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Tools to Get the Job Done

Machinery & Equipment Loans

Upgrade or replace essential equipment without slowing down your work. Finance new or used machinery with competitive rates, flexible terms, and decisions made right here at home.

Keep Operations Moving

Get the machinery you need to plant, harvest, or expand your operation without draining working capital.

Flexible Terms

Choose repayment schedules that match your cash flow and seasonal income.
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Long-Term Stability for Your Farm

Farmer Mac II Fixed-Rate Real Estate Loans

Lock in a competitive fixed rate for the long haul. Designed for farmers and ranchers, Farmer Mac II loans offer secure, affordable financing for agricultural real estate supported by lenders you know and trust.

Predictable Payments

Enjoy the stability of a fixed-rate loan that makes budgeting simple.

Backed by Experience

Work with local lenders who specialize in long-term ag financing and know what your farm needs to grow.
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Support for Your Herd

Livestock Loans

Grow your herd or expand your operation with financing built for local producers. Whether you’re buying livestock, feed, or improving facilities, we’ll help you find a loan that fits your goals.

Grow Your Herd

Finance livestock purchases or upgrades to improve efficiency and production.

Feed and Facility Support

Use funds for feed, housing, or facility improvements that keep your animals healthy and productive.
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Accessible, Affordable Funding

FSA Guaranteed Loans

Partner with Bank of Brodhead and the Farm Service Agency (FSA) for affordable, accessible financing options. These loans help farmers and ranchers start, expand, or strengthen their operations with the support of local lenders who know the land.

Accessible Financing

Designed for both new and established farmers who need flexible, affordable funding.

Shared Support

Benefit from the combined expertise of FSA programs and your hometown lending team.
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Invest in the Land You Love

Farm Real Estate Loans

Invest in the future of your farm with long-term financing for land purchases, facility construction, or expansion. Enjoy competitive rates and personal service from people who understand agriculture firsthand.

Build for the Future

Finance land, barns, and other structures that strengthen your operation for generations to come.

Long-Term Value

Lock in a stable rate with repayment options tailored to your goals and cash flow.
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faqs

Equipment & Business Leasing Made Simple

Leasing through Bank of Brodhead gives you the flexibility to grow your business with confidence. From customized payment structures to commonly leased assets across industries, our local experts make the process clear, convenient, and built around your goals.
Contact Us

Leasing through Bank of Brodhead comes with real advantages. We know you, and we know your business. With personal relationships and local decision-making, we understand your objectives and work to find terms that truly fit. Unlike traditional leasing companies, we never charge termination or prepayment penalties—so you have flexibility when you need it most. Coordinating your equipment financing and banking in one place saves time and keeps your business moving forward.

Whether you need to upgrade technology, add vehicles, or invest in specialized machinery, our leasing solutions are designed to keep your business productive and efficient. Choose from flexible structures that align with your cash flow, including seasonal, deferred, or step-payment plans—each backed by local service and fast approvals.

Leasing through Bank of Brodhead comes with real advantages. We know you, and we know your business. We have an established, trusted relationship, and we understand your objectives. Unlike traditional leasing companies, we never charge termination or prepayment penalties should you need flexibility during the term of your lease. Coordinating all your banking and equipment financing activity with one bank is convenient, saving you time.

Leasing helps you access the equipment your business needs—without the upfront cost of ownership. With terms customized for your operation, you can manage expenses while keeping your tools up to date.



Examples include:
• Tractors, loaders, and ag implements
• Delivery trucks and utility vehicles
• Computers, printers, and networking systems
• Manufacturing systems and shop tools
• Medical and dental devices

how to get started

A simpler way to borrow

Open an Account
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Choose

Compare accounts & features; check eligibility
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Apply

Complete the secure online application and upload ID/documents
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Verify

We review, confirm identity, and provide next steps
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Set up

Activate debit card, enroll in e‑statements, download the app, set alerts, and direct depo
rates

Our Rates

Explore fair, transparent rates for your business or ag operation with local lending decisions and support from people who know your community.
View Rates Page
Term
Min. Required
Min. Balance to Obtain APY
Interest Rate
APY*
6 Month
$500
$500
3.929%
4.00%
6 Month
$500
$500
3.929%
4.00%
6 Month
$500
$500
3.929%
4.00%
6 Month
$500
$500
3.929%
4.00%
6 Month
$500
$500
3.929%
4.00%
* Annual Percentage Yield
** Penalty for early withdrawal and/or restrictions may apply. Rates are subject to change without notice. Fees could reduce earnings.
Rates Effective as of September 03, 2025.
faqs

We answer your questions

Quick answers to common questions. For specifics about your situation, contact a banker.
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Yes. We offer FSA-guaranteed loans and can help guide you through eligibility and application requirements.

Absolutely. Our ag lenders live and work in this community. We understand the rhythm of farm life and structure financing to support seasonal needs.

We offer operating lines of credit, machinery and equipment loans, livestock loans, real estate loans, and FSA-guaranteed options—designed to meet the needs of local producers.