Agricultural Lending Central National Bank has competitive rates, terms customized for your operation and experienced Agricultural loan officers. Whether you need short-term cattle and operating credit or long term financing for farm real estate and machinery, Central National Bank is your one-stop Ag lender. Cattle We finance all phases of the cattle industry from cow-calf operations through feedlot financing. Financing your cattle operation with us has the following advantages: Affordable rates with both fixed and variable rate plans available. Revolving lines of credit, which are ready to use when you decide to buy. An experienced lending staff that is knowledgeable of the cattle industry. We understand price protection and the need to limit risk in today's market. Machinery & Equipment Agricultural loans with maturities up to seven years to update or replace equipment. Loan terms are tailored to meet your cash flow plan Competitive rates for both fixed and variable loans Real Estate Competitive interest rates with both fixed and variable rate plans. Agricultural loan maturities up to 20 years. Operating Loans Revolving lines of credit customized to meet your needs. We can help you plan the upcoming year and structure an agricultural loan to meet your specific cash flow requirements. Special Interest Rate Programs Central National Bank of Enid, Oklahoma, offers, to those who qualify, the Agriculture Linked Deposit Program.

Agriculture Linked Deposit Program The Agriculture Link Program was created by the State of Oklahoma to assist "at Risk" farm and ranch operations. This assistance is in the form of reduced interest rates to qualifying applicants through their participating lender. Basic Qualifications: Applicant must have a percentage of gross income from farming of 60% or greater for at least one of the past two previous tax years. Applicant must have a consolidated debt/asset ratio of 55% or greater. Must have a farm management plan developed with IFMAPS or a Vo-Tech school. Must have headquarters in Oklahoma and not be an officer or director of the institution making the loan. Must complete a linked deposit loan package and have an eligible lending institution willing to apply for and make the loan. These low interest programs can save thousands off your annual interest payments.