Financing programs
Grow Your Operation with Flexible Financing from Central United Cooperative
At Central United Cooperative, we understand that cash flow can make or break the season. That’s why we offer tailored financing options with competitive rates—so Minnesota farmers, ranchers, and ag-related businesses can get the inputs they need when they need them.
Financing Options at a Glance
Secure by Winfield United
- One-page application process for fast approval
- Financing up to $750,000 with no collateral, or up to $1.5 million with a full balance sheet
- Rates:
- Seed & Crop Protection: 3.75%-5.25%
- Fertilizer & Custom Application: Prime +1% to +2%, depending on credit rating
- Bayer and BASF chemistry and custom application will be 0%
- Maturity: February 1, 2027
Ideal for: Seed, fertilizer, and crop protection purchases that need short-term support
Cooperative Finance Association (CFA)
- Simple one-page application, fast-track approval
- Up to $1 million available
- Promotional Rates:
- 1.99% until March 31, 2026
- BASF Early - 0% until November 30, 2026 for purchases on or before March 15, 2026
- BASF Late - 4.99% until November 30, 2026 for purchases between March 16, 2026 and September 30, 2026
- Promotional Rates:
- Maturity: January 15, 2027
- Great for: Larger crop input purchases or planning ahead with promotional terms
AgQuest Input Financing
- Online Application for loans up to $1 Million, Multi-Year Flexibility, Evergreen Agreements
- Unsecured Input Loans (AgQuest Direct): Up to $500,000 available for retailer purchases—application only, no collateral needed. Maturity: January 15, 2027
- Secured Operating Loans (AgQuest Complete): Over $1 Million requires additional financial documentation. Maturity: January 31, 2027
- Competitive Rates, No Fees:
- 5.9% fixed rate through September 1, 2026
- Promotional rate applied to both unsecured Direct input loans and fully secured Companion Complete loans
Multi-Use Account™ by John Deere Financial
- Fast and easy online credit application
- Many offers with no-interest from top national seed and crop protection manufactures like Bayer, BASF, FMC, Brevant, AMVAC and Winfield.
- No-interest offers on Purina feed and feed mixed with Purina
- Delayed payment terms that tie to your production cycle or harvest to increase your cash flow
- Visit InputFinance.com to see the full listing of what offers are available to you.
- Over 50 years of being 100% farmer focused
How To Apply
Review Programs
Pick the financing option that fits your needs.
Contact Us
Contact your account manager or reach out to Geoff Lemke, Risk Manager, at 507-232-1008 for details or help choosing.
Submit Applications
Simple one-page forms for Secure by Winfield United and CFA; online form for Compeer.
Get Financed
Move forward without delay.
Why Choose Cooperative Financing?
As a Central United Cooperative member you get access to tailor-made financing solutions, trusted service, and the combined support of agronomy, feed, grain, energy, and equipment teams all working together for your success.