Rate Conversions

Lower your rate. Raise your savings.

With interest rates fluctuating, home and landowners are seeking ways to reduce their loan payments without the cost and hassle of refinancing. Capital Farm Credit offers a smart solution: rate conversions.

Predicting interest rates can be as unpredictable as the Texas weather. That’s why we offer our members the flexibility to adjust their loan’s rate or term when market conditions change – helping you save money and reach your goals faster.

Lower your rate and put money back in your pocket

Lowest cost of any in the market
Tiered fee schedule
No new appraisals
No additional paperwork
No underwriting required
No limit on the number of conversions you can do
Fast and efficient – often completed with just a signature and a small fee
eSign option available

Why it matters

A rate conversion allows you to take advantage of lower market rates or shorter loan terms, potentially saving thousands over the life of your loan – all without refinancing. It’s one more way Capital Farm Credit helps you make the most of your financing, because together we’re better.