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Creating a


Row of stocker calves in a field
FC stamp Row of stocker calves in a field

Our Vision

To maintain being Western Oklahoma’s top choice for agriculture and rural community lending.

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Support Rural Agriculture

Support Rural Agriculture

Keep American Agriculture Competitive

Keep American Agriculture Competitive

Give Back To The Community

Give Back To The Community

Provide Financial Services

Provide Financial Services

CEO and Board Members

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A Word From Our CEO

Farm Credit is a part of my heritage and I will never lose sight of the important role agriculture has on the landscape of the American economy. At Farm Credit of Western Oklahoma, our commitment to agriculture and rural Oklahoma is woven into the corporate fiber of our organization. Our dedicated staff of financial professionals are continually focused on your success. We have a wide variety of financial products including fixed or variable rate loans for terms of 1 – 30 years. Every spring we return a portion of our profits back to you in the form of a patronage refund. As a customer- owned cooperative, customer service is our number one priority and we will never take your business for granted. In today’s ever-changing world, Farm Credit of Western Oklahoma will be your constant and consistent source of agriculture and rural community loans. Contact us or stop by and discover the Farm Credit difference!

John Grunewald


Elected Board Members

Kenton Javorsky


Roger Fischer

Vice Chairman

Karen Pittman

Audit Chairman

Lonnie Olson


Robert Peeler


David Dolch


Dennie Jenkins


Nathan Johnson


Stephanie Craighead


Mark Graf


Robert Williams


Chad Budy


Ricky Carothers


Troy White


Lyndal Skaggs


Bryan Fischer


Dennis Schultz


Scott Neufeld


Steve Semmel


Financial Reports

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$1.7Billion InAssets


Discover the Farm Credit Difference

The Farm Credit Mission

Farm Credit supports rural infrastructure providers and farmers by helping to keep American agriculture competitive in global markets and we give back to our rural communities to help keep them viable and thriving. Our Mission at Farm Credit of Western Oklahoma of supporting rural communities and agriculture with reliable, consistent credit and financial services remains just as critical today as it was more than 100 years ago.

Our Story

Since President Woodrow Wilson signed legislation creating the Federal Land Bank System in 1916, Farm Credit has evolved into the dynamic network of 67 independent financial institutions. Farm Credit lends money to farmers and ranchers, farmer-owned cooperatives and other agribusinesses, rural homebuyers and companies exporting U.S. agricultural products around the world in all 50 states and Puerto Rico. This rich history has helped us build an extraordinary depth of knowledge of rural credit needs.

The Farm Credit Vision

Agricultural producers meet challenges with grit and determination and pursue opportunities with specialized knowledge and insight that work hand in hand to make farming and ranching in rural America a legacy worth preserving. The Vision of Farm Credit of Western Oklahoma is to maintain our position as Western Oklahoma’s top choice for agricultural and rural community lending. We strive to maintain our position as the most trusted source for rural community support in Western Oklahoma.

The Farm Credit Landscape

From the Black Mesa to the Red River, from commercial feed yards in irrigated corn country, to cow/calf and stocker producers working throughout our territory, from Guymon to Tuttle, and from Alva to Altus—The Landscape of our territory is diverse and like no other. Farm Credit of Western Oklahoma has the privilege to serve the best!

Our Services


Whether it’s land, livestock or equipment, we’re here to help! We also offer operating loans, agri-business loans or rural home loans.

Appraisal Services

For customers who need an independent appraisal of real estate by State General Certified Appraisers.


Vehicles ~ Buildings ~ Equipment Flexible Terms To Fit Your Needs Payments can be fixed for the entire lease term. You can choose monthly, quarterly, semiannual or annual payments. You can even delay your fist payment for up to six months in order to match your cash flow. A lease can be structured from one to seven years depending on the equipment and its useful life.

Term Life Insurance

We offer customers two types of life insurance products: Group Term Life through Selman & Company and Signature Term Life through American National Insurance Company Group Term Life Insurance gives you affordable choices. This program can pay off or reduce your loan balance if you die or become disabled, relieving your family or cosigners of the obligation of repaying your Farm Credit debt.

Young, Beginning, and Small Farmers

Photo from state rodeo
  • Participation in local, county, district and state premium auctions with annual giving’s in excess of $200,000

  • Area $25 showmanship awards

  • Participate in area trophy auctions

  • Provide judges for district and regional FFA And 4-H speech contests

  • Provide judges for the NW District Star Farmer Award

  • Participate and assist in the National Young Farmers Education Association

  • 4-H/FFA Project Funding Program

  • Coordinate and participate in the State Farm Credit FFA Speech Contest

  • Take One “Off” for the Future

  • Must be 35 years of age or younger

  • Meet or exceed YBS underwriting standards

  • New and existing loans qualify

  • 3 year term limit

  • Borrower will receive: variable interest rate – Tier 1 minus 1%

  • At end of term, revert to interest rate tier borrower qualifies for “Next Generation“ Loan Program

  • Provides assistance to customers for a limited time period, until sufficient progress is made to qualify for conventional loan programs

  • Borrowers must meet the guidelines for the YBS program

$250 Customer/Child Scholarship

  • Farm Credit of Western Oklahoma will provide a scholarship of $250 per semester to a child of FCWO borrowers up to 8 semesters

  • The child must be enrolled with at least 6 hours in a college, university or trade school

  • No application process will be required, only verification of enrollment

  • Funds will be paid directly to the student to be utilized for any educational expense

4-H/FFA Project Funding Program

  • Allocate funds for the purchase of livestock for resale by active 4-H/FFA members

  • Funds advanced will be reimbursed by the member when the purchased livestock is sold or one year from the advance date, which ever occurs first

  • Individuals eligible for this program must be active members in either a 4-H or FFA program within the 17 counties serviced by FCWO and may not be over the age of eighteen

  • Funds will be provided for the purchase of the animal and projected operating expenses up to $1,000 maximum with 0% interest

Outstanding Young Farm Family Award

  • Must be between the ages of 18-36

  • Recipient must demonstrate excellent practices in production management, financial management, community involvement and leadership

  • Applicants do not have to be members or customers of FCWO to apply

  • First place receives a trip to the National NYFEA Convention. Two runners-up will receive a $500 gift card to their local farm and ranch supply store

Oklahoma State University Panhandle Scholarship

  • FCWO presents a scholarship to an Oklahoma State University senior in the amount of $1,000

  • Qualifications are as follows: The student must be full-time, he or she must be an agricultural major and the student must be from the Oklahoma Panhandle

  • Committees comprised of 8-10 members

  • Each member must be between the ages of 18-35

  • Members must operate his or her own farming or ranching operation either on a part-time or full-time basis

  • The goal of the Committee is to generate and facilitate ideas with the purpose of promoting, educating and recognizing Oklahoma’s young farmers and ranchers

  • The Committee is responsible for organizing and promoting informational meetings and young farmer and rancher tours

  • A group of individuals from the Committees will represent FCWO on annual congressional trips FCWO Young Farmer Committees Make an Impact in Washington D.C.

  • 2006 – 2008: FCWO and the Young Farmer Committee members take a trip to Capitol Hill to visit with Senators and Congressmen

  • Some of the highlights from the trips are as follows:
    - Meeting with Farm Credit Council
    - Meeting with Farm Credit Administration
    - Meeting with Senator James Inhofe
    - Meeting with Secretary of Agriculture,  Mike Johanns
    - Meeting with Congressman John Sullivan
    - Meeting with Congressman Frank Lucas
    - Meeting with Senator Tom Coburn
    - Meeting with Congressman Dan Boren
    - Meeting with Congresswoman Mary Fallin
    - Meeting with United States Department of Agriculture, Farm Bureau and the National  Cattlemen’s Beef Association
    - WDC monument and museum tours

Oklahoma governor

Supporting and Investing In Rural Communities is part of who we are

Join Our Team

Agriculture has an important role on the landscape of the American economy. Farm Credit of Western Oklahoma is committed to ensuring that our dedication is sewn in to the corporate fiber of our organization. As we grow to better serve our customers, our dedicated and service oriented staff of financial professionals is continually focused on our customer’s success. If you are interested in joining our team, please reach out.

Corporate Accountant

Guymon, OKFullTime

Farm Credit of Western Oklahoma is an equal opportunity and affirmative action employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.

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