Cultivate your dreams with a loan from Texas Champion Bank
Secure the rates and customized terms for your agricultural related business.
Benefits You’ll Love
- Get competitive rates for equipment, inventory, and more
- Take advantage of financing for livestock or Ag operations
- Enjoy convenient and flexible terms, unique to your needs
- Loans can be placed in individual or entity's name
Your business depends on tools and equipment that keep up with your active pace. To maintain and grow, it’s important to ensure that your equipment investments are hard at work along with you while allowing more freedom with your business finances.
Whether you operate your livestock on a small or large scale, we understand your business goals and expansion needs. With our background in agricultural lending, we recognize the ups and downs of the Ag industry. This is why our team works diligently to customize your loan(s) to meet the needs and future goals you desire. We offer various types of financing, including but not limited to:
- Affordable financing for your farming or ag operation
- Competitive rates for a wide range of agribusiness-related needs:
- Working capital
- Equipment
- Livestock (including, but not limited to: Beef Cattle, Cow/Calf Operations, and Stockers)
- Inventory
- Vehicles
- Real estate
- Irrigation systems
- And more
- Repayment terms customized to fit your operation's unique needs
- Lenders experienced in local agricultural standards
- Quick, local decision-making and processing
- Attentive, friendly service from start to finish
Include, but are not limited to:
- Beef Cattle
- Cow/Calf Operations
- Stockers
Include, but are not limited to:
- Tractors
- Combines
- Hay balers
- Harvesting Equipment
- Livestock Equipment
- Plows
- Shredders
- Disks
- Trucks
- Trailers
- Loaders
- Pivots
- Available for new or used equipment
Are you wanting to purchase, refinance, expand or improve agricultural or rural land? Let Texas Champion Bank help make it a smooth and successful process for you.
Eligible rural property includes farms, ranches, pastures, or recreational and investment real estate and we make it easy:
- Loan(s) can be placed in an individual’s or entity’s name
- Fixed & Variable Interest Rates
- Wide selection of Terms & Amortizations (up to 25-year amortization)
- Payment options include monthly, quarterly, semi-annual and annual to help match your cash flow.
A line of credit offers the convenience and flexibility to assist you in managing your cash in-flows and out-flows. No matter if you need cash for farming, ranching, or some other agribusiness venture; we make it easy for you to make those necessary purchases throughout the year on an as-is-needed basis. In addition, we offer flexible collateral requirements that help you by leveraging your equity to build on your assets.
We offer both budgeted and revolving lines of credit. Lines of credit include, but are not limited to, operating costs, equipment and livestock purchases, crop input expenses and lease payments.
- Budgeted – Make scheduled draws against your LOC based on your operation’s annual cash flow. You may borrow up to the credit limit one time.
- Revolving – Draw and repay funds without budgetary restrictions as long as you are within your credit limit. This allows you to borrow up to the credit limit more than once during the term of the note.
Use this calculator to determine your projected earnings from our Champion Cash 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
Term | Minimum to open & obtain APY | Interest Rate | *APY |
---|---|---|---|
30 to 59 Days | $1,000 to $97,999 | 1.00% | 1.00% |
60 to 89 Days | $1,000 to $97,999 | 1.00% | 1.00% |
90 to 119 Days | $1,000 to $97,999 | 1.00% | 1.00% |
120 to 179 Days | $1,000 to $97,999 | 1.00% | 1.00% |
180 to 364 Days | $1,000 to $97,999 | 3.25% | 3.28% |
365 Days | $1,000 to $97,999 | 3.50% | 3.50% |
18 Months | $1,000 to $97,999 | 3.50% | 3.47% |
24 Months | $1,000 to $97,999 | 3.50% | 3.44% |
30 to 59 Days | $98,000 and OVER | 1.00% | 1.00% |
60 to 89 Days | $98,000 and OVER | 1.00% | 1.00% |
90 to 119 Days | $98,000 and OVER | 1.00% | 1.00% |
120 to 179 Days | $98,000 and OVER | 1.00% | 1.00% |
180 to 364 Days | $98,000 and OVER | 3.40% | 3.43% |
365 Days | $98,000 and OVER | 3.50% | 3.50% |
18 Months | $98,000 and OVER | 3.50% | 3.47% |
24 Months | $98,000 and OVER | 3.50% | 3.44% |
13 Months | $100,000 and OVER | 4.00% | 3.99% |
Rates effective as of 9/24/24.
*ANNUAL PERCENTAGE YIELD
SUBSTANTIAL PENALTY FOR EARLY WITHDRAWAL
INTEREST RATES SUBJECT TO CHANGE WITHOUT NOTICE
ACCOUNT FEES MAY REDUCE EARNINGS
Champion Cash*
Balance | Rate | APY |
---|---|---|
0 - $50,000 | 5.00% | 5.12% |
$50,000+ | 0.25% | 5.12% to 0.25% |
All balances if qualifications not met | 0.05% | 0.05% |
Qualifications
Earning the full rewards is so easy, you're probably already doing it! Enrollments must be in place and all of the following transactions and activities must post and settle to your Champion Cash account during each Monthly Qualification Cycle:
- At least 1 direct deposit, ACH payment, or ACH credit
- At least 12 debit card purchases
- Be enrolled in and agree to receive e-statements
If you don't meet the qualifications one monthly cycle, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next monthly cycle.
Champion Saver*
Balance | Rate | APY |
---|---|---|
0 - $100,000 | 1.98% | 2.00% |
$100,000+ | 0.25% | 2.00% to 0.83% |
All balances if qualifications not met | 0.05% | 0.05% |
Qualifications
Qualifying for Champion Cash or Cash Back rewards automatically qualifies you for the highest Champion Saver rate too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Champion Cash or Cash Back account during each Monthly Qualification Cycle:
- At least 1 direct deposit, ACH payment, or ACH credit
- At least 12 debit card purchases
- Be enrolled in and agree to receive e-statements
It's no problem if you miss a qualification cycle. Both accounts are still free. And you can get back to earning rewards the very next monthly cycle you qualify.