Farm Credit Southeast Missouri has been serving the farmers of Southeast Missouri since 1917 and is part of the national Farm Credit System, a federally chartered financial institution created to provide American agriculture with a dependable source of credit. And we've been doing just that, generation after generation. We offer long-term farm and country home loans, intermediate-term loans for equipment, buildings, and improvements, as well as short-term production loans. In addition, we strive to meet the needs of farmers by offering valuable crop and life insurance products. Many other services are also available that have been designed with you, the farmer, in mind. Even more, because we are a member-owned cooperative, our members share in the profits of the cooperative in the form of patronage refunds. As a member, patronage refunds reduce your effective cost of borrowing by reducing net interest rates - putting our profits in your pockets.