Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.


Your Friendly Bank®

Personal Online Banking Login
Forgot password or PIN?


Personal Mobile Online Banking Login
Business Mobile Online Banking Login

Plowing through crops

Agricultural Loans

Agricultural Loans

In 1944, The Eastern Colorado Bank opened its doors in Cheyenne Wells knowing full well its primary customers would be from within the agricultural industry. While we strive hard to meet the needs of all our customers, personal and business-oriented, we always remember where our roots began. Our continued commitment is to help anyone and everyone in our local communities, with emphasis on helping our farmers and their families.
In the agricultural business, we understand that you tend to experience times of hardship and times of growth and prosperity. With that in mind, for 75 years now, The Eastern Colorado Bank has strived for the best possible banking and loan options in agribusiness. We offer loans at competitive rates with flexible terms to fit the individual needs of farmers, ranchers, rural home owners, and agricultural businesses we serve. Loan terms range from 1 year to 30 years customized to fit your individual needs any time of the year.

Operating Loans and Revolving Lines of Credit


The Eastern Colorado Bank's revolving lines of credit, or operating loans, can help you afford the lease of more farming or grazing property, cover operating expenses such as those needed for harvest season, seeds for your next planting, or to cover feed costs. They can also extend to pay your taxes, or other cost of living needs when you're in a pinch.

A line of credit is a short-term solution, and you only take just what you need with easy access to funds when the need arises. This keeps your interest fees at a minimum. The Eastern Colorado Bank offers competitive rate pricing on your line of credit and other loan options.


Livestock Loans

If you need to increase stock, add new bloodlines, or are looking to establish a new herd to meet the demands of the livestock business, our livestock loans are just for you. Whether you are heading to the auction house, buying out another rancher, or investing in the purchase of calves or yearlings from a breeder, we can offer a flat amount loan to cover just what you need.

Raising livestock can be challenging, and we get that. You're dealing with living animals and things can go array just when you think you've got it covered. You'll receive a fixed rate and terms to pay off your loan, without straining your monthly budget.


Equipment Loans


Need a new tractor or new implements? We can help here, too. Whether you're looking for a new equipment for harvesting, planting new crops or maintaining the appropriate lifestyle for your livestock, The Eastern Bank of Colorado has seen it all and is used to filling every niche for our local farmers and ranchers. We'll work with you and your seller to come up with a solution to get you behind the wheel and working.


Real Estate Loans


The Bank of Eastern Colorado offers a variety of ways to finance the purchase of new property, whether investing in your first purchase, adding on, or shifting to something new. Through our experience in agribusiness, our agricultural real estate options are based on secured options. We offer flexible payments based on your projected cash flow for the timing and amounts of payment. Our agricultural loans are offered with a fixed or variable rate. We'll share all our options to make it easier for you to make an informed decision.


Farmer Mac Loans


Another loan option is through Farmer Mac loans with a fixed interest rate. Since 1988, Farmer Mac has become an integral part of rural America, having funded nearly 80,000 farmers throughout all 50 states in nearly every type of circumstance and in all types of agriculture. Ninety-seven percent of these USDA-guaranteed Farmer Mac loans have been granted to small family farms. Our lending team has worked with Farmer Mac since its inception and will help you navigate through the paperwork to meet your needs.

Through our five Colorado and one western Kansas locations, we understand our farmers work hard. In an area rich with grain crops and cattle, we share our local farmers' interests and want to partner with you. Our agricultural loan options range from 1 to 30 years, meeting your own personal credit needs. Stop by our nearest branch, or give us a call, to see what we can do for you. Contact us for more information.

The Eastern Colorado Bank is an Equal Housing Lender.
Growing Our Communities Since 1944
hands in the air