The smartest line of credit for the business of agriculture in Eastern Kansas.


Draw funds directly without transfers or added days of interest.

Interest is charged only on the exact amount you use, when you use it.

Payments and third-party checks apply directly to your operating line of credit,

saving added days of interest. Remote Deposit makes payments even faster.

Earn 1% cash back on AgriBuy® Rewards Mastercard® purchases.

Purchases are drawn from your line of credit at your line of credit interest rate.

Cash-back dividends offer a significant annual benefit.

We have paid more than $204 million in cash-back dividends since 2004.

Wherever you find WorkSmart®, you’ll find producers saving money.

Along with interest-saving benefits, WorkSmart offers a variety of management tools, convenient payment options and cash-back dividends!

WorkSmart® delivers more – and saves more – than any other line of credit for agriculture.

Your New Line of Credit Starts Here.

Complete the application and a member of our team will contact you.


“They have an understand of agriculture and it’s just a really great partnership between a farmer and a lender."

Doug & Lara

Grain Producers, Kansas

Doug & Lara

AgriBuy® Rewards Mastercard®

The ultimate in flexibility and access to your operating line of credit, the AgriBuy Rewards business card can help you capture additional savings on your line of credit.

  • Get 1% cash back on all purchases.
  • Money is drawn directly from your operating line of credit.
  • Provides convenient access for line of credit purchases.


WorkSmart® includes money-saving benefits, unique features and management tools that make your money work smarter for you. The following example shows you how.

Potential Annual Savings
Cash-back dividends: $1,813.00
AgriBuy Rewards: $1,250.00
Remote Deposit savings: $700.00
Total: $3,763.00



View balances and transaction history, transfer funds, make payments and more.

Remote Deposit

Scan and apply checks, including third-party checks, as payments directly into your WorkSmart® operating line of credit — without maximum limits.

Frontier Farm Credit® Mobile

Access your operating line of credit anywhere from your mobile device. Use the Remote Deposit feature in our app to save time and money depositing checks.

Farm Operating Loan Rates and Terms

Fixed Rates

  • Choice of revolving or non-revolving line of credit.
  • Payment plans designed around your cash flow expectations.

Variable Rates

  • Choice of revolving or non-revolving line of credit.
  • Rate based on either market index or Frontier Farm Credit-administered indexes.

Convenient Features

  • Conversion feature offers flexibility. If your financial needs change, you can convert your variable-rate loan to a fixed-rate loan.
  • Interest rate "buy-down" option can reduce your payments. Pay a fee at closing in exchange for an interest rate reduction.
  • Flexible payment options to fit your cash flow needs. Interest-only loans with monthly statements and annual interest give you more marketing flexibility. Choose the date you want to pay your annual interest based on your needs.

Related Operating Loan Content

Spring 2022 Outlook
Learn more about decision-making strategies and risk management tools to help farmers and ranchers navigate through the uncertainty and move their operations forward – in the next six weeks, six months, and six years.
From Goals to Plans
Learn more about moving beyond your goals and developing plans to achieve them.
The Economics of Family Living
Our latest webinar covered easy-to-overlook expenses, tips for measuring and tracking family living and benchmarks to consider.
Barriers to Budgeting: Allocating Fixed Expenses
Learn more about accounting for hard-to-allocate expenses.
Four Planning Habits for Better Financial Management of Your Farm or Ranch
Dr. David Kohl draws on his own financial practice in the dairy and creamery business to help producers better understand their operation’s financial position.

Ready to Talk?

Contact us if you have questions or need more information. Fill out the form, or connect with your local office using the Office Locator.

Frontier Farm Credit serves farmers, ranchers, agribusinesses and rural residents in eastern Kansas. For inquiries outside this geography, use the Farm Credit Association Locator  to contact your local office.