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Frequently Asked Questions

  • You can find all our locations here.
  • Our Customer Care team is available Monday through Friday 8:00 a.m.–7:00 p.m. ET. You can reach us by calling 1-855-800-7976 or emailing [email protected]. Find your local office for specific hours of operation if you’d like to schedule an in-person visit.
  • If you’re trying to establish your account with us but don’t have a voided check, we will need a signed letter from your bank on company letterhead that includes your name, account number and routing number.
  • Interest rates can fluctuate frequently, click here to learn more about interest rates. Connect directly with a loan officer to talk through our current rates.
  • Please fill out this form and we will connect you with a Rural 1st Loan Officer in your area.
  • We will work with you to try to find a loan that fits your needs. Rural 1st offers fixed and variable rate options. Submit a loan inquiry and our team will reach out to discuss your loan options.
  • Use our refinance calculator —you can input details about your specific scenario and find the best options for you.
  • Rural 1st does not finance agricultural equipment directly, but we work closely with Farm Credit Mid-America and other Farm Credit associations to connect our customers with experts in equipment financing. A Rural 1st loan officer in your area would be able to connect you with an ag lender.
  • Supporting our local communities is important to us. Learn more about our community investments. Share more information about your community initiative through our contact form to get in touch with our team.
  • Visit to learn more about life at Rural 1st/Farm Credit Mid-America and view any open positions we may have. Also be sure to follow us on LinkedIn, Facebook, Twitter and Instagram to stay up to date with what our team members are up to.
  • Yes, we finance most barndominiums! We don’t charge a higher rate or require a larger down payment or have shortened terms. Learn more about barndominium construction.
  • At Rural 1st, we value both the acreage and any site improvements on the property, such as outbuildings and fencing to make sure you qualify for the maximum loan amount. Read our Rural Property Finance Checklist for more information.
  • Please call Customer Care at 1-855-800-7976 for more information. Please have the insurance adjuster's paperwork available.
  • Please call Customer Care at 1-855-800-7976 for information regarding your mortgage. The county clerk in your area can provide deed information.
  • Reach out to our Customer Care team at 1-855-800-7976 or [email protected] for assistance.
  • Yes, use our Mortgage Calculator to get an idea of your estimated payments and loan possibilities.
  • Rural 1st is the consumer lending division of Farm Credit Mid-America. The lending cooperative offers more than a century of expertise for farmers and by building on that existing experience, Rural 1st can help customers achieve their dream of living rural. The loan products offered by Rural 1st appeal to a range of customers from those living in the city wanting to raise a family in a rural location, to people looking to retire, or those looking for outdoor adventures. Our specialized team of experts make buying rural property and living the rural lifestyle as simple as possible. Born from financing to farmers, rural residents can expect to receive the same expertise and customized solutions for rural financing.
  • Rural 1st loans are not transferable.
  • Yes, you can make extra payments. Please call Customer Care at 1-855-800-7976 for more information.
  • Rural 1st is a preferred lender of Whitetail Properties Real Estate. Once you work with a Whitetail Properties Land Specialist to find the perfect property, your Rural 1st lending professional is here to help you make the land your own. Connect with a loan officer to learn more about the requirements
  • Please call Customer Care at 1-855-800-7976 for information and to receive an accurate payoff quote.
  • A 1098 will be mailed to the borrower. A copy is also available via the Online Banking portal.
  • No, Rural 1st does not sell your information to any third party for marketing purposes. Click here for more information.

Learning Center Resources


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