Our 4-H, FFA & Grange loan program helps finance projects that focus on agriculture, leadership and skill-building.
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4-H, FFA or Grange Loans1 for eligible members
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Animal Projects - Loan amounts from $100 - $5,0002
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Vocational Projects - Loan amounts from $100 - $1,000
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$25 loan fee, waived under certain conditions3
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3.33% APR4 with loan fee, 0% APR4 without loan fee
- Apply today:
1 Youth loans are available to students participating in a 4-H, FFA or Grange projects. If student is under age 18, a parent or guardian must be co-applicant. 2 Loan amounts greater than $2,500 - the applicants need to prove liquid assets equal to or greater than the loan amount, or be supported by a guaranty. Restrictions and limitations may apply. Ask your banker for more details. 3 Loan fee is waived if you open or have an existing Teen Checking account or Junior Savers account. 4 APR=Annual Percentage Rate. No interest charged, principal due at maturity. For example, a $750 loan amount would require one principal payment of $750 due at maturity. Late charges will apply if paid off more than 10 days after maturity date. Offer subject to change anytime without notice. Ask about the current loan interest rate, terms, and conditions.
To request a demand for payoff, call us at (800) 552-6796 during regular business hours, M-F, 8am-5pm, PT.
Mail Loan Payments to:
F&M Bank
Loan Service Center
P.O. Box 3000
Lodi, CA 95241-1902
Payments received before 5pm Monday through Friday are credited on the date received. Automatic payments are processed on the loan due date or prior business day if on a weekend or holiday.
For loan information requests or to assert a loan error, please contact us at the above address.
This information is effective 5/1/2026 and subject to change anytime without notice.