mother and daughter with sunflower

The Heritage Difference

Heritage Land Bank…our name says it all. Our heritage, spanning nearly a century, has been and always will be, to help people like you, who have a love of the land and an fiercely independent, country spirit. We make it our business to finance your hopes and dreams, no matter the size, from country homes and recreational property to building and growing your agribusiness, ranch, or farm.

At Heritage Land Bank, we believe in doing business with people, not account numbers. Our borrowers are also our owners, so you have a voice in what we do. And when you call for help, we’ll answer, promptly, speaking in a language you’ll understand.

Best of all, when Heritage Land Bank does well, we pay you back with a patronage dividend check. So give Heritage Land Bank a call, and let us start putting our “heritage” to work for you today.

Your Loan Is Not Resold

Your loan stays right here with us. It isn’t sold to the secondary market, which means your loan officer can answer your questions and take care of your financial needs.

We Understand Your Needs

You can rely on agricultural professionals who understand your needs and are committed to serving you.

Ownership And Control

You become a stockholder and are eligible to run for election on the Board of Directors, and vote on important co-op issues.

Cash Back Patronage

You are rewarded with an annual Patronage Dividend when Heritage Land Bank does well financially.

Personal Attention

You get a personal loan officer who believes in building a relationship with you. Their doors are always open to answer your questions and provide you one-on-one assistance with your lending needs.

Long-Term Fixed Rates

You can select long-term fixed rates and have peace and mind knowing your payment won’t increase over time.

Fast Response

You get a quick turn-around on loan answers. Your loan officer is empowered to make decisions.