Get the funds you need for the Ag real estate you’ve been eyeing
Turn your vision into a reality with dream rates and flexible terms for the farm or ranch you want
Benefits You’ll Love
- Enjoy rates that align with your budget
- Get terms that match your goals
- Secure financing for expanding operations, land tenure, and more
- Local, personalized service from start to finish
Agriculture Loans
The land you work on is an investment, a legacy, and a livelihood all at once. At Community National Bank & Trust, we understand the unique financial demands that come with agricultural work, and we're proud to offer agriculture loan solutions built around the needs of our local farming community.
Whether you're managing seasonal cash flow, investing in new equipment, or expanding your operation, our experienced Ag lenders are here to help. Our local banking team makes informed decisions, moves quickly, and takes the time to understand your goals before recommending a path forward.
Revolving Line of Credit
Agriculture doesn't always follow a predictable financial schedule, and your financing shouldn't have to either. CNB&T’s revolving line of credit gives you flexible access to working capital so you can cover input costs, manage cash flow between harvest cycles, and respond to the unexpected without missing a beat. Draw funds when you need them and repay on a schedule that fits your operation.
Farm Equipment Loans
Having the right equipment can make all the difference in your operation's productivity. Our farm equipment loans make it easier to purchase, upgrade, or replace the machinery you depend on without draining your working capital. With fast local decision-making and terms designed around your budget, you can spend less time waiting on financing and more time focused on your land.
Midwest Ag Loans
For farmers and ranchers with larger or more complex financing needs, our dedicated Midwest Ag lending program offers expanded options, including agriculture real estate loans and Farm Service Agency (FSA) guaranteed loans. Our Midwest Ag team brings deep knowledge of the agricultural landscape across Kansas, Missouri, and Oklahoma to help you plan for the long term.
Additional Agricultural Banking Services
Beyond lending, CNB&T offers a full range of banking services to support your operation day to day. From business checking and savings accounts to cash management and digital banking, we're equipped to serve the financial needs of your farm or ranch from the ground up.
Finance Your Farm With Community National Bank & Trust
At Community National Bank & Trust, we're more than a bank—we're neighbors. Our agriculture lending teams are rooted in the same communities you work in every day, and we're genuinely invested in helping your operation thrive. Whatever stage your farm or ranch is in, we're here with the financing and support to help you move forward.
Get started today! Contact our team to chat with our friendly team or find your nearest CNB&T branch and pay us a visit! Want to learn more about our local banking options? Explore our FAQ page for more information.
Experience, knowledge, and service tailored to your needs; that's what you can expect with a farm and ranch loan from Community National Bank and Trust – Midwest Ag Funding. Our loan experts come from agriculture backgrounds and have the experience and can help you secure the financing for your operation.
- Farmer Mac approved lender
- FSA approved lender*
- Finance a wide range of farm and ranch needs, including:
- Purchase real estate
- Refinance an existing operation
- Finance improvements
- Construction of agriculture properties
- Competitive rates
- Fast approval
- Terms customized to your unique situation
- Attentive, friendly service from start to finish
*This is not a commitment to lend or extend credit. All loans/products are subject to approval.
Use this calculator to determine your projected earnings from our Reward Checking account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Certificates of Deposit
| Certificate Term | Interest Rate | **APY |
|---|---|---|
| 9 Month CD Special | 3.46% | 3.51% |
| 13 Month CD Special | 3.05% | 3.09% |
| 24 Month Bump Special | 2.99% | 3.02% |
| 27 Month CD Special | 2.89% | 2.92% |
$1000.00 minimum deposit required. Substantial penalty may be charged for early withdrawal. Interest is compounded quarterly.
**Annual Percentage Yield. Fees imposed could reduce earnings.
ePower Checking
| **** Balance | ***Interest Rate | Depending on the balance in your account the Annual Percentage Yield (APY**) will: |
|---|---|---|
| Up to $25,000.00 | 1.400% | equal 1.41% |
| $25,000.00 - $1,000,000 | 0.150% | range from 1.51% to 0.18% |
| If ePower account requirements are not met | 0.100% | equal 0.10% |
****To earn the power rate, perform the following each cycle: 1. Have 12 Debit Card Transactions post and clear the account. 2. Have at least One Direct Deposit or ACH auto debit post and clear the account. 3. Enroll and receive electronic statements. We may change the interest rate and APY at any time after the account is opened. No Minimum Balance Required. However you must deposit a minimum of $100 to open this account. Available to Personal Accounts only. No monthly service charge. **ATM refunds up to $25 per cycle if requirements are met. † Other fees may apply.
**Annual Percentage Yield. Fees imposed could reduce earnings.
*** Variable Rate Accounts: Rate may change after account is opened.
PLEASE CONTACT OUR ACCOUNT REPRESENTATIVE AS OTHER TERMS AND CONDITIONS MAY APPLY
Guardian Secure Checking
| Balance | ***Interest Rate | Depending on the balance in your account the Annual Percentage Yield (APY**) will: |
|---|---|---|
| Up to $25,000.00 | 1.400% | equal 1.41% |
| Over $25,000.00 | 0.150% | range from 1.51% to 0.18% |
**Annual Percentage Yield. Fees imposed could reduce earnings.
*** Variable Rate Accounts: Rate may change after account is opened.
$100 minimum deposit to open
$4.95 Monthly Service charge
PLEASE CONTACT OUR ACCOUNT REPRESENTATIVE AS OTHER TERMS AND CONDITIONS MAY APPLY
Platinum Savings Account
| Balance | ***Interest Rate | ** APY |
|---|---|---|
| Below $5,000 | 0.150% | 0.15% |
| $5,000.00 to $24,999.99 | 1.900% | 1.91% |
| $25,000 to $49,999.99 | 1.900% | 1.91% |
| $50,000 to $99,999.99 | 1.900% | 1.91% |
| Balance over $99,999.00 | 1.900% | 1.91% |
Minimum Deposit $5,000
**Annual Percentage Yield. Fees imposed could reduce earnings.
*** Variable Rate Accounts: Rate may change after account is opened.
PLEASE CONTACT OUR ACCOUNT REPRESENTATIVE AS OTHER TERMS AND CONDITIONS MAY APPLY