Fee Appraisals

Most people think of real estate appraisals only when they need a loan to purchase land. But Lone Star Ag Credit customers also can use the services of one of our State-Certified Real Estate Appraisers for other purposes, such as estate planning or establishing a basis for taxation.

To inquire about an Ag Credit appraisal, call 1-800-530-1252. Prices for this service will be determined by the complexity of the project. Appraisers reserve the right to decline a project.

Leasing Services

Whether you need vehicles, farm and ranch equipment, or any other capital equipment, Lone Star Ag Credit offers a variety of competitive leasing products to fit your needs.

Mortgage, Life and Disability Insurance

Lone Star Ag Credit offers loan protection insurance underwritten by Minnesota Life Insurance Company. Policies are competitively priced, with Lone Star Ag Credit customers receiving a 15 percent discount on standard Minnesota Life premiums when policies are purchased through the Farm Credit alliance. The voluntary program is designed to provide protection and peace of mind for customers and their families in the event of death or disability. For more information on Minnesota Life Insurance Company, visit their Web site at web1.fclifenet.com.

Fast Cash

Lone Star Ag Credit offers cash management tools to help you manage your financial transactions and make doing business with us even easier.

Account Access - This confidential, secure Web-based program allows you to view your association account online. For example, you can track when your next payment is due, see the remaining balance on your note, and more.

AgriLine - Accessing your line of credit is as easy as writing a check. AgriLine is a checking account linked to your Lone Star line of credit. It allows you to purchase goods or services by writing a check. The check is automatically deducted from your line of credit, increasing the balance.

AgSweep - A simple and safe method of increasing your company's earnings, AgSweep allows you to minimize excess balances and maximize your return on available funds. Sweep accounts are beneficial for large borrowers that have a high cash turnover and daily cash needs. With AgSweep, you can link your revolving line of credit (RLOC) loan to your Wachovia Bank checking account. Funds are automatically advanced from a line of credit when the commercial checking account falls below the target balance. When excess funds are available in the checking account, the funds are swept and applied to the outstanding balance of the line of credit.

FastCa$h - With just one phone call, you can make a loan payment or request money from your loan without leaving your home, office or tractor cab. The money will be automatically transferred to or from your bank checking or savings account. Call today, and the money will be in your account tomorrow.

GFX - Fast and secure, a wire transfer is the electronic movement of funds with same-day settlement. Through GFX, the association has the ability to create a wire transfer from a desktop in the office. A GFX wire transfer is sent to your or your designee's bank account. Payments made by wire transfer are same-day payments.

Lock-Box Accounts - Receiving and clearing your checks will be more efficient if you make your payments through a lock box, which in turn reduces the operating expenses of your association. Lock boxes provide a company with a special zip code and quicker deliveries from regional post offices. Lock-box payments are excellent for term loans.

Preauthorized Electronic Installment Drafting - Save money on stamps and envelopes and make your payments on time, every time, by setting up this automatic withdrawal service. An electronic draft will be drawn on your bank account. If the interest rate changes, you will be notified of the change on a billing notice, and the new installment amount will automatically become the amount withdrawn from your account.

Tax Services

In 2008, Lone Star Ag Credit implemented a new financial tool to better serve you. A tax service department has been created in order to provide you with yet another management tool to make your operation more successful.

Lone Star Ag Credit understands that taxes impact your net income and profitability of your operation. In January 2008, Barbara Golden, Senior Tax Specialist, joined our Association in order to provide you with premier tax management services.

Lone Star Ag Credit offers year-round tax management service and planning. We offer preparation of tax returns 1040, 1041, 1065 and 1120, as well as, W-2’s and 1099’s.

It is our goal to provide convenient and trusted service, tax saving strategies and guidance to make your operation more profitable.

FEATURE	BENEFIT
Complete your tax, accounting and loan needs in one location.	All-inclusive services save you time and money.
Coordinated with automated recordkeeping services.	Helps ensure that all deductions are taken and you are getting the most of your tax return.
Precise and accurate computerized tax return preparations.	Peace of mind and security.
Assistance with IRS audits and correspondence.	Reduces the stress of dealing with the IRS.
365-day availability to assist in planning and answering questions.	Timely responses to your questions.
Certified specialists trained in the newest tax law changes and the unique aspects of agricultural law.	Trained employees with expertise in agricultural and non-agricultural income tax returns.

Farm Recordkeeping

Lone Star Ag Credit can now provide you a recordkeeping service to meet the unique needs of agricultural producers. Using canceled checks and deposit slips or their equivalents, we provide financial information to assist with management needs, loan reporting requirements and income tax return preparation.

Lone Star Ag Credit provides financial information in a timely manner to help you manage your business and meet your financial objectives.

We use a double entry accounting system utilizing your canceled checks which ensures accuracy and saves you time especially at tax time.

We also provide tax planning and preparation information to help you manage your income tax expense.

Our fees are generally tax deductible with after-tax cost approximately 60 percent of actual dollars spent.

As a part of Lone Star Ag Credit, we can provide tax and record-keeping services and meet your loan needs all in one convenient place, saving you time and money.