down to earth rural finance

You need more than a pair of Red Bands to become a rural expert. Our skilled rural team come from farming backgrounds, so they understand the unique nature of farming. Combining this understanding with banking know-how and our unique customer focus means you get the best banking solution for your business.

rural business specialists

If you need rural finance then talk to us about the choices we can offer. Our team of rural experts are located throughout the country and specialise in financing rural businesses, including;

Farm Purchase

Livestock and plant purchase

Farm development and conversion

Seasonal overdraft and funding

Off farm investments

Succession planning

rural term loans

Fixed or floating interest rates

Principal and Interest or Interest Only repayments

Repayment options up to 30 years

Interest is calculated daily and charged monthly

rural flexi loans

Competitive floating interest rates for terms up to 25 years

20 free withdrawal transactions (free deposits) per month per account

Total flexibility to repay and redraw within an approved limit

Interest is calculated daily and charged monthly on the portion of the loan you use

why choose us?

We focus on building long-term relationships with our customers. We take the time to understand how your rural business works. We offer specialised rural financial services to all rural based businesses including dairy, beef, sheep and deer farming, cropping and fishing. Maybe you’re looking to refinance, arrange succession planning or need some seasonal support. We can help. We are 100% owned by our members and have been helping farmers manage and grow their businesses