Maximizing Your Agricultural Financing Options

A Comparison of John Deere and Central Valley Ag + Cooperative Finance Association (CFA) Lending Solutions

In the ever-evolving world of agriculture, securing the right financing is crucial to maintaining and growing your farming operations. Two prominent lenders, CVA/CFA and John Deere, offer unique financing solutions tailored to meet the diverse needs of today’s producers. Each of these programs, along with others, are available through Central Valley Ag, ensuring you have access to any seed and input financing programs on the market.  Here’s a look at the benefits provided by each lender.  

CVA/CFA Financing: Competitive and Cooperative Lending

CVA, in partnership with CFA, offers farmers robust financing options that focus on competitive rates, ease of use, and cooperative benefits.

• Competitive Interest Rates: CVA offers several special financing options for the 2025 crop year, starting at a fixed rate of 0%, making it an attractive choice for cost-conscious farmers.
• Significant Loan Commitments: For 2025, farmers can apply for up to $1 million in financing through CFA with a simple one-page application, providing substantial support for your farming operations.
• Streamlined Application Process: New borrowers can benefit from a completed electronic application process, while existing borrowers enjoy a seamless evergreen loan renewal for 2025, simplifying the borrowing experience.
• Cooperative Benefits: CVA is a member/owner of CFA, which allows them to actively participate in creating the best loan products for their members, ensuring that your financing options are aligned with the needs of the agricultural community.
• Online Account Access: Producers can log in to see details of both their CFA account and their CVA accounts on the associated websites and always have the option to pay their full CVA balance, or a portion of their balance, with the CFA loan. Both websites allow online payments, giving a producer access from anywhere.
• Evergreen Renewals: With the adoption of an Evergreen renewal process, it as simple as a phone call or note to their trusted agronomy advisor with CVA to renew for the next crop year.

John Deere Multi-Use Account: Versatility and Convenience

John Deere’s Multi-Use Account is designed to offer farmers a flexible and comprehensive financing tool that simplifies purchasing and managing farm-related expenses.

• Unified Statements: Purchases made from your John Deere dealer and agribusiness merchants are consolidated into a single statement, streamlining your financial management.
• Diverse Purchasing Options: The Multi-Use Account allows you to purchase everything from parts and service to technology, crop inputs, and farm supplies, offering a one-stop solution for all your needs.
• Flexible Payment Options: Keep your cash and free up your operating line of credit by utilizing various finance offers and payment options tailored to fit your production cycle and crop season.
• Deferred Payments: Lock in early order discounts on seeds and secure crop protection products with special terms financing that allows you to buy now and pay after harvest.
• Tax-Time Organization: Forecast spending and get organized for tax time with detailed monthly statements and an annual summary of all your purchases.
• Online Account Management: Access account details and up to 24 months of purchase history online at myFinancialAccounts.Deere.com, providing convenience and ease of management.

Both John Deere and CVA/CFA offer valuable financing solutions tailored to the unique demands of farming. Whether you prioritize the competitive interest rates and cooperative benefits of CVA/CFA or the comprehensive services and purchasing power of John Deere’s Multi-Use Account, you can find a financing solution that supports your agricultural goals and ensures the success of your operations.

Please reach out to darrell.wilhelm@cvacoop.com for more information.