Since 1921, our customers have grown this cooperative to what it is today—a financially strong, service-oriented cooperative. As times change, so do we, but we never move from our commitment to integrity, innovation and customer service.

Credit Policy

A net 30-day credit policy has been established by the Board of Directors. Payment for product purchases is due 30 days from invoicing, and all spring inputs are due by June 30 of each year. While we are happy to offer accounts to all qualified customers, we do ask that customers work within our credit terms. Credit is a privilege we extend to our customers. By working together, we can bring the greatest benefit to the cooperative and our producers.

Available Financing Options

Just as buying and selling in collective volumes was the primary necessity for our founding farmers; today’s growers need access to reasonable and farm-friendly financing. Input dollars are vital for staying competitive. We understand that each farming operation is unique, and we are here to provide individualized financing options for each and every operation.

Crop Input Loan Program

Our unique Crop Input Loan program is a little like having your own ag shopping cart, ready to fill with the inputs you need for profitable production. Use it for prepaid inputs bought pre-season or to add products and services as you need them in-season. Pay back your loan as you market your crop, or access your main credit line and pay for the entire season with a single check.

Simple application, automatic paying of monthly statements, and frequent updates on loan status—we’re all about making our programs as convenient and as favorable as possible for our borrowers.

Applications are available from any CHS Elburn location, sales agronomists, or our Finance and Credit Department at (815) 899-8964.

Fall Fertilizer Loan Program

The Fall Fertilizer Loan Program offers a competitive interest rate for fall fertilizer purchases.


Contact the Sycamore main office at (815) 899-8964.

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